Form 5500 · Employee benefit plan · RENO, NV
PROSPECT EDUCATION LLC
PROSPECT EDUCATION LLC of RENO, NV insures vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ADVOCATE NAVA BENEFITS. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 73-1663968 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 3 insured contracts covering vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 254 people.
Reported premium across the insured contracts is $177,206, with $21,962 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
ADVOCATE NAVA BENEFITS is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing — THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. — with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 254 | December | $111,906 | $11,659 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 185 | December | $46,735 | $7,053 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 296 | December | $18,565 | $3,250 |
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