| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 SOUTH 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | BLUE CROSS OF CALIFORNIA | $192K | $0 | $192K | 4.74% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 SOUTH 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $14K | $0 | $14K | 2.03% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 891016023 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $3K | $37K | 15.33% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 SOUTH 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $23K | $0 | $23K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 SOUTH 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 4.73% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | HYATT LEGAL PLANS | $844 | $0 | $844 | 10.11% |
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 | 720 | 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) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 840 | $4.8M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 840 | $4.3M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 777 | $727K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $241K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $241K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $241K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 840 | $4.8M |
| Other(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 765 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.