| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DR. LAS VEGAS, NV 89134 | SIERRA HEALTH & LIFE | $51K | $46K | $97K | 4.96% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | SIERRA HEALTH & LIFE | $42K | — | $42K | 2.97% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PRINCIPAL LIFE INSURANCE COMPANY | $45K | $26K | $71K | 8.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HWY 34, BLDG. C2 MANASQUAN, NJ 08736 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 2.58% |
| GCG FINANCIAL LLC3 Filed as: DISTINCTIVE AN ALERA GROUP AGCY LLC | 9555 HILLWOOD DR., STE. 140 LAS VEGAS, NV 89134 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 4.40% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 3.26% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DR., STE 140 LAS VEGAS, NV 89134 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HILB GROUP OF NEW ENGLAND BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $232K |
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 THIRD PARTY ADMIN | Contract Administrator; Claims processing Service code 12 | — | $231K |
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 | 2,178 | 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) | 2,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SIERRA HEALTH & LIFE | 849 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,101 | $297K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,992 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,992 | $971K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,992 | $883K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,992 | $883K |
| Prescription drug(2 contracts) | SIERRA HEALTH & LIFE | 849 | $3.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,363 | $37K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,992 | $971K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,992 | — |
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.
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.