| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 0.18% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | SIERRA HEALTH AND LIFE | $58K | $26K | $83K | 8.82% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $211 | $3K | 10.18% |
| KELLY BRONNENBERG COON3 | 8594 BENIDORM AVENUE LAS VEGAS, NV 89178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.31% |
| DARCY COON3 | 1392 PENINSULA POINT LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | $0 | $776 | 2.74% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.27% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND BENEFIT SOLUTIONS LLC | 8850 TOBIRA DRIVE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.25% |
| MJ INSURANCE3 Filed as: STEVEN B. POLK INC & VARIOUS AGENTS | 9827 KINDLE ROCK COURT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.12% |
| TAMMY VAN HOUTEN-THOMPSON3 | 8693 TARA HILL AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.10% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE | 505 | $943K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $20.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $20.7M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $20.7M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 77 | $28K |
| Prescription drug | SIERRA HEALTH AND LIFE | 505 | $943K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $20.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.