| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2470 STREET ROSE PARKWAY HENDERSON, NV 89074 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 2.56% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 2.35% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2470 STREET ROSE PARKWAY HENDERSON, NV 89074 | AETNA HEALTH, INC. | $5K | $0 | $5K | 2.86% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | AETNA HEALTH, INC. | $4K | $0 | $4K | 2.16% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2470 STREET ROSE PARKWAY, SUITE 203 HENDERSON, NV 89074 | GUARDIAN | $11K | $0 | $11K | 10.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN LAS VEGAS, NV 89105 | GUARDIAN | $0 | $2K | $2K | 1.80% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 91 | $1.2M |
| Dental | GUARDIAN | 136 | $111K |
| Vision | GUARDIAN | 136 | $111K |
| Life insurance | GUARDIAN | 136 | $111K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 91 | $1.2M |
| Other | GUARDIAN | 136 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.