| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DILLION HEALTH LLC3 | 329 FLINT STREET RENO, NV 89501 | AETNA LIFE INSURANCE CO. | — | $11K | $11K | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DILLON INSURANCE SERVICES EIN 47-4214062 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 329 FLINT STREET RENO, NV 89501 | $428K |
| ABC NEVADA CHAPTER EIN 88-0126253 PLAN SERVICE PROVIDER | Plan Administrator Service code 14 | 240 SOUTH ROCK BOULEVARD SUITE 121 RENO, NV 89502 | $328K |
| LUCENT HEALTH SOLUTIONS, LLC EIN 47-1931003 PLAN SERVICE PROVIDER | Contract Administrator Service code 13 | 424 CHURCH ST SUITE 2300 NASHVILLE, TN 37219 | $167K |
| R & J INSURANCE SERVICES, LLC EIN 20-3425010 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | PO BOX 34625 RENO, NV 89533 | $80K |
| DISTINCTIVE INSURANCE EIN 83-1729785 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 8375 W FLAMINGO RD UNIT 102 LAS VEGAS, NV 89147 | $67K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 AUDITOR | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE SUITE 300 ROSEVILLE, CA 95678 | $48K |
| TMG INSURANCE COMPANY, INC. EIN 53-0565897 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 1915 PROSPERITY ST RENO, NV 89502 | $38K |
| GAROFOLO & RAMSDELL, LLP EIN 81-4503218 PLAN SERVICE PROVIDER | Legal Service code 29 | 3443 GOLDEN GATE WAY SUITE H LAFAYETTE, CA 94549 | $26K |
| ASSOCIATED BUILDERS AND CONTRACTORS PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 440 1ST ST NW, STE 200 WASHINGTON, DC 20001 | $23K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 8950 CAL CENTER DRIVE BUILDING 3 SUITE 200 SACRAMENTO, CA 95826 | $21K |
| L/P INSURANCE SERVICES, INC. EIN 27-3054238 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 300 EAST 2ND STREET SUITE 1300 RENO, NV 89501 | $20K |
| INSURANCE OFFICE OF AMERICA, INC. EIN 59-2472656 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 2180 HARVARD STREET SUITE 450 SACRAMENTO, CA 95815 | $18K |
| ASSURED PARTNERS OF NEVADA, LLC PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 375 E WARMS SPRINGS RD, STE 201 LAS VEGAS, NV 89119 | $13K |
| EMPLOYERS BENEFITS DESIGN, INC. EIN 88-0335316 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 330 E WARM SPRINGS RD LAS VEGAS, NV 89119 | $12K |
| NEVADA INSURANCE AGENCY PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 3724 LAKESIDE DR, STE 100 RENO, NV 89509 | $12K |
| BOB MORALES PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 679 SIERRA ROSE DRIVE SUITE B RENO, NV 89511 | $9K |
| ONEDIGITAL TOPCO LLC EIN 82-1434504 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $8K |
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 | 2,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,959 | $8.4M |
| Dental | AETNA LIFE INSURANCE CO. | 1,959 | $8.4M |
| Vision | AETNA LIFE INSURANCE CO. | 1,959 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,959 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.