| 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 | $241K | — | $241K | 20.00% |
| 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 | $180K | — | $180K | 15.00% |
| 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 | $127K | — | $127K | 15.00% |
| 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 | $133K | — | $133K | 20.00% |
| 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 | $57K | — | $57K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $62K | — | $62K | 18.43% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $64K | — | $64K | 19.26% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $47K | — | $47K | 19.92% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE | $12K | — | $12K | 9.88% |
| DOROSHOW INSURANCE INC3 | 2480 W. HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 13.89% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | — | $432 | 0.75% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.38% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.15% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.12% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.11% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N. LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.08% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.06% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| JENNIFER GROOT3 | 931 W. MARSHALL BLVD SAN BERNARDINO, CA 92405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE HOPKINS INS AGCY LUTCF PC | 5411 S. VINE STREET UNIT 4 SUITE MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JENNIFER WELLER3 | 700 PEACHY CANYON CIRCLE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MARINA C LOVE3 | 406 HOPKINS ST RIO RICO, AZ 85648 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LINDA WOODS3 | 9271 MARTEL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BARLOWE INC3 | 4411 GOLDEN PALOMINO LANE NORTH LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DRIVE LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 13.78% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $176 | $176 | 0.83% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $55 | $55 | 0.26% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $37 | $37 | 0.17% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $31 | $31 | 0.15% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $18 | $18 | 0.08% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 0.06% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.05% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.05% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.04% |
| JENIFFER WELLER3 | 700 PEACHY CANYON CIR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $6 | $6 | 0.03% |
| LINDA WOODS3 | 9271 MARTEL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 0.02% |
| JENNIFER GROOT3 | 931 W MARSHALL BLVD SAN BERNARDINO, CA 92405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DR LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
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 | 14,343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 18,723 | $73.5M |
| Vision | DAVIS VISION | 9,594 | $929K |
| Life insurance(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 10,260 | $1.9M |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 10,260 | $2.1M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,860 | $666K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 18,723 | $73.5M |
| Other(8 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 10,260 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,723 | — |
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.