| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | $27K | $25K | $52K | 5.65% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $16K | $35K | 17.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD, SUTE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.32% |
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE LLC | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.36% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.80% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | 170 | $924K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $193K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $193K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $193K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $55K |
| Prescription drug | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | 170 | $924K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.