| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $146K | — | $146K | 15.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $190K | — | $190K | 20.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $106K | — | $106K | 15.00% |
| DAVIS VISION3 | 175 E HOUSTON STREET 5TH FLOOR SAN ANTONIA, TX 78205 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $114K | — | $114K | 20.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $20K | — | $20K | 16.72% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | HYATT LEGAL PLANS | $10K | $71 | $10K | 8.93% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 16.86% |
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 | 11,960 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 15,624 | $47.2M |
| Vision | HM LIFE INSURANCE COMPANY | 7,990 | $638K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 8,465 | $1.4M |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 8,465 | $1.7M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,626 | $571K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 15,624 | $47.2M |
| Other(8 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 8,465 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,624 | — |
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."
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.