| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DISTINCTIVE INSURANCE (ALERA GROUP) | 8375 W FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | HEALTH PLAN OF NEVADA* | $54K | $29K | $83K | 5.82% |
| GCG FINANCIAL LLC3 Filed as: DISTINCTIVE INSURANCE (ALERA GROUP) | 8375 W FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 7.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.96% |
| KAERCHER INSURANCE AGENCY INC.3 Filed as: KAERCHER CAMPBELL & ASSOCIATES | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.59% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 17.39% |
| SULLIVAN GROUP LLC3 Filed as: SULLIVAN AGENCY INC. | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | TRANSAMERICA LIFE INSURANCE COMPANY | $320 | — | $320 | 1.46% |
| TRANSAMERICA AGENCYNETWORK, INC.3 | 4333 EDGEWOOD ROAD N.E. CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $90 | — | $90 | 0.41% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA* | 274 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $211K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $211K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $211K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $211K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $211K |
| Prescription drug | HEALTH PLAN OF NEVADA* | 274 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.