| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC. Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $71K | — | $71K | 7.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR. CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $59K | — | $59K | 6.13% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | CUSTOM BENEFIT CONSULTANTS, INC. 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | PRINCIPAL LIFE INSURANCE COMPANY | $92K | — | $92K | 10.50% |
| LARRY P. QUANEY JR.3 Filed as: LARRY P. QUANEY | 4109 MANSION HALL COURT LAS VEGAS, NV 89129 | PRINCIPAL LIFE INSURANCE COMPANY | $50K | — | $50K | 5.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | — | $34K | 3.87% |
| 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 | $48K | — | $48K | 8.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | — | $42K | 6.99% |
| 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 | $52K | — | $52K | 10.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $46K | — | $46K | 9.43% |
| 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 | $22K | — | $22K | 6.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.52% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $139 | $36K | 16.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60662 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $103 | $11K | 4.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $661 | $661 | 0.30% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $131 | $35K | 17.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STEET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $103 | $9K | 4.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $566 | $566 | 0.29% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $95 | $25K | 17.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $103 | $6K | 4.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $398 | $398 | 0.28% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.90% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 DEPT 999228 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MOUNTAIN W. SERIE | PO BOX 173850 DEPT 999228 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $182 | $182 | 0.21% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET, SUITE 700 LAS VEGAS, NV 89101 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 525 W. MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 9.87% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 E. GOLF ROAD, SUITE 1000 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.97% |
| DOROSHOW INSURANCE INC3 | 2480 W. HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 17.84% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | — | $310 | 0.97% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.46% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVENUE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.20% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.15% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVENUE N. LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.13% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.13% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| JENNIFER GROOT3 | 931 W. MARSHALL BLVD SAN BERNARDINO, CA 92405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE HOPKINS INS AGCY LUTCF PC | 5411 S. VINE STREET, UNIT 4B MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MARINA C LOVE3 | 406 HOPKINS STREET RIO RICO, AZ 85648 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVENUE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JENNIFER WELLER3 | 700 PEACHY CANYON CIRCLE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE INC. | 2480 W. HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 18.30% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 1.13% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.31% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVENUE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.24% |
| LINDA WOODS3 | 9271 MARTEL AVENUE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LIN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVENUE N. LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVENUE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| JENNIFER WELLER3 | 700 PEACHY CANYON CIRCLE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 7,681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 12,782 | $72.4M |
| Vision | DAVIS VISION | 9,980 | $1.0M |
| Life insurance(5 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,740 | $1.4M |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,753 | $1.6M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,908 | $490K |
| Prescription drug(2 contracts) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 12,782 | $72.3M |
| Other(11 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,753 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,782 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.