| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC | UNKNOWN LAS VEGAS, NV 89120 | HEALTH PLAN OF NEVADA | $38K | $8K | $45K | 4.94% |
| DISTINCTIVE INSURANCE3 | UNKNOWN LAS VEGAS, NV 89120 | HEALTH PLAN OF NEVADA | $12K | $6K | $18K | 1.96% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC | 2470 SAINT ROSE PARKWAY, SUITE 203 HENDERSON, NV 89074 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $714 | $0 | $714 | 8.27% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.82% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC | 2480 HORIZON RIDGE PARKWAY SUITE 110 HENDERSON, NV 89052 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.75% |
| DISTINCTIVE INSURANCE3 | 2470 SAINT ROSE PARKWAY, SUITE 203 HENDERSON, NV 89074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | UNKNOWN LAS VEGAS, NV 89120 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $787 | $787 | — |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 159 | $921K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $0 |
| Prescription drug | HEALTH PLAN OF NEVADA | 159 | $921K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.