| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 8.30% |
| CUSTOM BENEFIT CONSULTANTS INC.5 Filed as: CUSTOM BENEFIT SOLUTIONS INC. | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.49% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSUTANTS INC. | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 89129 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 9.13% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 89129 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 9.08% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 89129 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 9.19% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 19.46% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 18.90% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD SUITE 150 LAS VEGAS, NV 89129 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.19% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 891016023 | KAISER FOUNDATION HEALTH PLAN INC | $456 | $0 | $456 | 2.28% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 S. 4TH STREET SUITE 700 LAS VEGAS, NV 891016023 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | $0 | $1K | 8.22% |
| CUSTOM BENEFIT CONSULTANTS INC.5 | 300 S 4TH STREET SUITE 700 LAS VEGAS, NV 891016023 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $316 | $316 | 2.46% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $118K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $319K |
| Vision | VISION SERVICE PLAN | 373 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 572 | $153K |
| Short-term disability | STANDARD INSURANCE COMPANY | 376 | $150K |
| Long-term disability | STANDARD INSURANCE COMPANY | 221 | $95K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.