| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | HEALTH PLAN OF NEVADA | $397K | $309K | $706K | 6.18% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $111 | $20K | 1.52% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | AFLAC | $7K | $0 | $7K | 4.18% |
| INSGROUP INC3 Filed as: GLB INSURANCE GROUP OF NV | 6410 SOUTH EASTERN AVENUE SUITE 100 LAS VEGAS, NV 89119 | AFLAC | $7K | $0 | $7K | 4.17% |
| ANA AIZCORBE3 Filed as: ANA M. AIZCOBRE | 15353 SW 68TH AVENUE MIAMI, FL 33157 | AFLAC | $6K | $344 | $6K | 3.96% |
| MJ INSURANCE3 Filed as: MARIA C. ORTIZ AND VARIOUS AGENTS | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $6K | $157 | $6K | 3.71% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE R. MARTINEZ | 32937 BONITA MESA STREET TEMECULA, CA 92592 | AFLAC | $3K | $217 | $4K | 2.20% |
| LISA HUTZOL3 Filed as: LISA A. HUTZOL | 9628 LIGHTHEART AVENUE LAS VEGAS, NV 89148 | AFLAC | $2K | $69 | $2K | 1.54% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $69 | $1K | 0.79% |
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 | 2,140 | 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) | 2,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 2,999 | $11.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,866 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,866 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,866 | $1.4M |
| Short-term disability | AFLAC | 219 | $162K |
| Prescription drug | HEALTH PLAN OF NEVADA | 2,999 | $11.4M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,866 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,866 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.