| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE ROAD SUITE 150 LAS VEGAS, NV 89129 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $72K | $0 | $72K | 2.95% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $355 | $355 | 0.01% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD STE 150 LAS VEGAS, NV 89129 | BCS INSURANCE COMPANY | $46K | $0 | $46K | 8.66% |
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA BENEFIT PLANS, INC. | 1850 N CENTRAL AVE SUITE 2000 PHOENIX, AZ 85004 | BCS INSURANCE COMPANY | $15K | $0 | $15K | 2.89% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE ROAD SUITE 150 LAS VEGAS, NV 89129 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | $0 | $6K | 9.80% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 5 SAWGRASS CT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | $0 | $4K | 6.00% |
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 | 2,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 3,410 | $1.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,718 | $2.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,718 | $2.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,718 | $2.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,718 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,410 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.