| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE, LLC. | 9555 HILLWOOD DRIVE SUITE 140 LAS VEGAS, NV 89134 | SIERRA HEALTH AND LIFE | $83K | $46K | $129K | 7.66% |
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE, LLC. | 9555 HILLWOOD DRIVE SUITE 140 LAS VEGAS, NV 89134 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 9.93% |
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE, LLC. | 9555 HILLWOOD DRIVE SUITE 140 LAS VEGAS, NV 89134 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 6.12% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE SUITE E1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $47 | $4K | 8.05% |
| MARIA ROSALES3 | 7999 BLUE BROOK DRIVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.92% |
| KELLY BRONNENBERG COON3 | 8594 BENIDORM AVENUE LAS VEGAS, NV 89178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.56% |
| DARCY COON3 | 1040 AVIATOR COURT HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $0 | $520 | 1.03% |
| HUGO GUZMAN3 | 2657 WINDMILL PARKWAY PMB 362 HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $0 | $218 | 0.43% |
| WESTLUND BENEFIT SOLUTIONS & OTHERS3 | 8850 TOBIRA DRIVE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.17% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE, INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.14% |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE | 614 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $251K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $251K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 562 | $126K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $50K |
| Prescription drug | SIERRA HEALTH AND LIFE | 614 | $1.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 562 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.