| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD STE 150 LAS VEGAS, NV 89129 | HARTFORD LIFE AND ACCIDENT | $41K | $0 | $41K | 10.00% |
| 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 | $39K | $0 | $39K | 9.87% |
| CUSTOM BENEFIT CONSULTANTS INC.5 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.96% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 19.77% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 NORTH FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 19.86% |
| 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 | 9.12% |
| 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 | $467 | $0 | $467 | 2.04% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC | 3295 N. FORT APACHE RD STE 150 LAS VEGAS, NV 891290209 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $713 | $0 | $713 | 10.23% |
| CUSTOM BENEFIT CONSULTANTS INC.5 | 3295 N. FORT APACHE RD STE 150 LAS VEGAS, NV 891290209 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $214 | $214 | 3.07% |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $167K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $402K |
| Vision | VISION SERVICE PLAN | 449 | $51K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 872 | $405K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 872 | $405K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 872 | $405K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 872 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.