| 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 | $35K | $975 | $36K | 11.03% |
| 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 | $11K | $11K | 3.22% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD STE 150 LAS VEGAS, NV 89129 | HARTFORD LIFE AND ACCIDENT | $32K | $18K | $49K | 15.61% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $758 | $13K | 21.54% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $919 | $13K | 22.61% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE RD SUITE 150 LAS VEGAS, NV 89129 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.84% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE RD STE 150 LAS VEGAS, NV 89129 | KAISER FOUNDATION HEALTH PLAN INC | $426 | — | $426 | 1.73% |
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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 431 | $146K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $327K |
| Vision | VISION SERVICE PLAN | 387 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 620 | $316K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 620 | $316K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 620 | $316K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 620 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.