| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 4.17% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | PRINCIPAL INSURANCE COMPANY | $15K | $0 | $15K | 6.28% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITSPECIALISTS, LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 24.45% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 21.99% |
| ALEXANDROS A. SOULIOTES3 | PO BOX 1536 SOLANA BEACH, CA 92075 | TRANSAMERICA LIFE INSURANCE COMPANY | $363 | $0 | $363 | 2.46% |
| BENEFIT ALLIANCE INSURANCE SERVICES3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 65.00% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.5M |
| Dental | PRINCIPAL INSURANCE COMPANY | 578 | $246K |
| Vision | PRINCIPAL INSURANCE COMPANY | 578 | $246K |
| Life insurance | PRINCIPAL INSURANCE COMPANY | 578 | $246K |
| Short-term disability | PRINCIPAL INSURANCE COMPANY | 578 | $246K |
| Long-term disability | PRINCIPAL INSURANCE COMPANY | 578 | $246K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.5M |
| Other(3 contracts, 3 carriers) | PRINCIPAL INSURANCE COMPANY | 578 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.