| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 9.15% |
| DISTINCTIVE INSURANCE3 | UNKNOWN NORTH LAS VEGAS, NV 89081 | SIERRA HEALTH AND LIFE | $9K | $919 | $10K | 5.96% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.35% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE SUITE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $171 | $2K | 5.45% |
| KELLY BRONNENBERG COON3 | 8594 BENIDORM AVENUE LAS VEGAS, NV 89178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.48% |
| DARCY COON3 | 1040 AVIATOR COURT HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | $0 | $683 | 1.57% |
| HUGO GUZMAN3 | 2657 WINDMILL PARKWAY PMB 362 HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $0 | $596 | 1.37% |
| MARIA ROSALES3 | 7999 BLUE BROOK DRIVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $0 | $367 | 0.85% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.20% |
| MJ INSURANCE3 Filed as: WESTLUND BENEFIT AND VARIOUS AGENTS | 8850 TOBIRA DRIVE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.17% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE | 77 | $172K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $228K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $228K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 488 | $103K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $43K |
| Prescription drug | SIERRA HEALTH AND LIFE | 77 | $172K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 488 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.