| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | STARMOUNT LIFE INSURANCE | $23K | $3K | $25K | 11.46% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $20K | $987 | $21K | 31.02% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | UNUM INSURANCE COMPANY | $8K | $341 | $9K | 13.18% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $784 | $11K | 16.10% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $5K | $871 | $6K | 12.22% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | UNUM INSURANCE COMPANY | $2K | $298 | $3K | 5.08% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $11K | $519 | $11K | 22.74% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | UNUM INSURANCE COMPANY | $5K | $170 | $5K | 9.64% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $414 | $3K | 12.06% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221 | $8 | $229 | 7.21% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 2.99% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 3.30% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD, SUITE 102 LAS VEGAS, NV 89147 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.37% |
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 | 979 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE | 525 | $222K |
| Vision | STARMOUNT LIFE INSURANCE | 525 | $222K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 954 | $88K |
| Other(6 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 954 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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."
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.