| 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 | $359K | $756K | 5.72% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | UNITEDHEALTHCARE INSURANCE COMPANY | $270K | $24K | $294K | 22.92% |
| INSGROUP INC3 Filed as: GLB INS GROUP OF NEVADA | 6410 SOUTH EASTERN AVENUE SUITE 100 LAS VEGAS, NV 89119 | AFLAC | $8K | $0 | $8K | 4.73% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | AFLAC | $8K | $0 | $8K | 4.61% |
| ANA AIZCORBE3 Filed as: ANA M. AIZCORBE | 15353 SOUTHWEST 68TH AVENUE MIAMI, FL 33157 | AFLAC | $7K | $231 | $7K | 4.04% |
| MJ INSURANCE3 Filed as: MARIA C. ORTIZ AND VARIOUS AGENTS | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $5K | $0 | $5K | 2.77% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE R. MARTINEZ | 32937 BONITA MESA STREET TEMECULA, CA 92592 | AFLAC | $3K | $226 | $4K | 2.05% |
| LISA HUTZOL3 Filed as: LISA A. HUTZOL | 9628 LIGHTHEART AVENUE LAS VEGAS, NV 89148 | AFLAC | $2K | $0 | $2K | 0.89% |
| EILEEN SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRECE MIAMI, FL 33155 | AFLAC | $1K | $53 | $1K | 0.81% |
| MJ INSURANCE3 Filed as: JENNIFER C. BOREK & VARIOUS AGENTS | 11612 BOLLINGER LANE LAS VEGAS, NV 89141 | AFLAC | $23 | $2 | $25 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 1489 WEST WARM SPRINGS ROAD SUITE 110, UNIT 230 HENDERSON, NV 89014 | AFLAC | $8 | $0 | $8 | 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 | 1,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 3,277 | $13.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,845 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,845 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,845 | $1.5M |
| Short-term disability | AFLAC | 182 | $174K |
| Prescription drug | HEALTH PLAN OF NEVADA | 3,277 | $13.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,845 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,845 | — |
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 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.