| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | UNKNOWN NORTH LAS VEGAS, NV 89081 | SIERRA HEALTH AND LIFE | $68K | $30K | $99K | 8.12% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 5.27% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 1.16% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $469 | $4K | 10.09% |
| KELLY BRONNENBERG COON3 | 8594 BENIDORM AVENUE LAS VEGAS, NV 89178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.37% |
| DARCY COON3 | 1040 AVIATOR COURT HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.69% |
| MJ INSURANCE3 Filed as: HUGO GUZMAN & VARIOUS AGENTS | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 0.79% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.22% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND BENEFIT SOLUTIONS LLC | 8850 TOBIRA DRIVE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.21% |
| STEVEN B POLK INC3 Filed as: STEVEN B. POLK INC | 4345 NORTH DAPPLE GRAY ROAD LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.08% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE | 532 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 610 | $402K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 610 | $402K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 610 | $440K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 64 | $38K |
| Prescription drug | SIERRA HEALTH AND LIFE | 532 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 610 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.