| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREY INSURANCE AND BENEFITS3 | 4775 TECO AVENUE SUITE 225 LAS VEGAS, NV 89118 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $236K | $236K | 3.09% |
| FREY INSURANCE AND BENEFITS3 | 4775 TECO AVENUE SUITE 225 LAS VEGAS, NV 89118 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $88K | — | $88K | 11.21% |
| FREY INSURANCE AND BENEFITS3 | 4775 TECO AVENUE SUITE 225 LAS VEGAS, NV 89118 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 10.55% |
| FREY INSURANCE AND BENEFITS3 | 4775 TECO AVENUE SUITE 225 LAS VEGAS, NV 89118 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 2.77% |
| FREY INSURANCE AND BENEFITS | 4775 TECO AVENUE SUITE 225 LAS VEGAS, NV 89118 | PRE-PAID LEGAL SERVICES INC | $13K | — | $13K | 37.88% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,682 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 823 | $7.6M |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,316 | $783K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,316 | $783K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,344 | $169K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,682 | $565K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,682 | $565K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,682 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,682 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.