| 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 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $163K | — | $163K | 20.01% |
| CUSTOM BENEFIT CONSULTANTS INC. Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $105K | — | $105K | 15.01% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $87K | — | $87K | 14.99% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $93K | — | $93K | 19.99% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $58K | — | $58K | 15.00% |
| CUSTOM BENEFIT CONSULTANTS INC. Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $59K | — | $59K | 20.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $66K | — | $66K | 24.89% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 17.62% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | — | $31K | 15.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 44TH STREET SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | — | $34K | 20.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS INC | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $7K | — | $7K | 5.17% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | HYATT LEGAL PLANS | $11K | — | $11K | 9.70% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 7660 WEST CHEYENNE AVE #109 LAS VEGAS, NV 89129 | HYATT LEGAL PLANS | $0 | $47 | $47 | 0.04% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 7660 WEST CHEYENNE AVE #109 LAS VEGAS, NV 89129 | HYATT LEGAL PLANS | $0 | $46 | $46 | 0.04% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | HYATT LEGAL PLANS | $0 | $29 | $29 | 0.02% |
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 | 13,533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 18,440 | $62.7M |
| Vision | HM LIFE INSURANCE CO. | 9,461 | $771K |
| Life insurance(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 9,916 | $1.6M |
| Short-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 9,916 | $2.1M |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 2,934 | $635K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 18,440 | $62.7M |
| Other(14 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 9,916 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,440 | — |
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.