Welfare broker

L/P INSURANCE SERVICES

Mailing address (most recent filing)

300 E 2ND STREET STE 1300

RENO, NV 89501

Total comp: $2.4M
Commissions: $2.2M
Fees: $170K
Filings: 39
Sponsors: 39

Carrier mix

Where L/P INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC.31.3%
UNITEDHEALTHCARE INSURANCE COMPANY25.0%
AETNA LIFE INSURANCE COMPANY18.8%
PROMINENCE HEALTH PLAN12.5%
HOMETOWN HEALTH6.3%
BLUE CROSS OF CALIFORNIA6.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC.	5	$32.4M	31.3%
UNITEDHEALTHCARE INSURANCE COMPANY	4	$6.5M	25.0%
AETNA LIFE INSURANCE COMPANY	3	$6.8M	18.8%
PROMINENCE HEALTH PLAN	2	$2.3M	12.5%
HOMETOWN HEALTH	1	$944K	6.3%
BLUE CROSS OF CALIFORNIA	1	$1.9M	6.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NV	15	$49.0M	2.9%	211.98x
CA	1	$1.9M	0.0%	0.80x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of L/P INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.73% vs welfare-wide median 6.29% (n=16).

Prospect-flag exposure · vs market baseline

Share of L/P INSURANCE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-16 of 16 sponsors where L/P INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FINDLAY MANAGEMENT GROUP - NEVADA, ARIZONA, UTAH, IDAHO, WASHINGTON FINDLEY MANAGEMENT GROUP NEVADA, ARIZONA, UTAH, IDAHO, WASHINGTON BENEFIT PLAN	NV	$21.4M	$1.0M	ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.
GREATER LAS VEGAS CHAMBER OF COMMERCE VEGAS CHAMBER GROUP HEALTH PLAN FOR WHOLESALE AND RETAIL MEMBERS	NV	$5.7M	$319K	ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525)
RELIABLE MANAGEMENT SOLUTIONS NOVO LOGISTICS WELFARE BENEFIT PLAN	NV	$2.3M	$111K	ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.
MARNELL COMPANIES, LLC MARNELL COMPANIES GROUP BENEFIT PLAN	NV	$2.3M	$110K	HEALTH PLAN OF NEVADA
ADCO MANUFACTURING ADCO MANUFACTURING CAFETERIA AND WELFARE BENEFIT PLAN	CA	$1.9M	$94K	BLUE CROSS OF CALIFORNIA
SEND CUT SEND, INC. SEND CUT SEND, INC. HEALTH AND WELFARE PLAN	NV	$1.8M	$81K	UNITEDHEALTHCARE INSURANCE COMPANY
JBP, LLC DBA SILVER STATE INTERNATIONAL TRUCKS JBP, LLC DBA SILVER STATE INTERNATIONAL TRUCKS GROUP HEALTH PLAN	NV	$1.2M	$78K	UNITEDHEALTHCARE INSURANCE COMPANY
SOBEL WESTEX, INC. SOBEL WESTEX	NV	$1.1M	$59K	AETNA LIFE INSURANCE CO
DEEP ROOTS HARVEST DEEP ROOTS HARVEST WELFARE BENEFIT PLAN	NV	$1.1M	$55K	HEALTH PLAN OF NEVADA
UROLOGY NEVADA, LTD UROLOGY NEVADA, LTD BENEFIT PLAN	NV	$1.3M	$52K	PROMINENCE HEALTH PLAN
A&K EARTH MOVERS, INC. A & K EARTH MOVERS, INC. EMPLOYEE BENEFITS PLAN	NV	$944K	$48K	HOMETOWN HEALTH
NEVADA CHAPTER AGC NEVADA CHAPTER AGC ASSOCIATION HEALTH PLAN	NV	$1.9M	$45K	ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC.
VIA, INC. VIA SEATING HEALTH AND WELFARE PLAN	NV	$1.0M	$42K	ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.
BOYS & GIRLS CLUB OF TRUCKEE MEADOWS BOYS AND GIRLS CLUBS OF TRUCKEE MEADOWS MEDICAL	NV	$1.0M	$34K	PROMINENCE HEALTH PLAN
EDGEWOOD COMPANIES EDGEWOOD COMPANIES HEALTH AND WELFARE PLAN	NV	$2.2M	$30K	AETNA LIFE INSURANCE CO.
LP INSURANCE SERVICES, LLC LP INSURANCE SERVICES, LLC HEALTH AND WELFARE PLAN	NV	$3.5M	$24K	AETNA LIFE INSURANCE COMPANY