| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $92K | $92K | 2.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $37K | $37K | 1.07% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | PRINCIPAL INSURANCE COMPANY | $17K | $19K | $36K | 8.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL INSURANCE COMPANY | $8K | — | $8K | 1.73% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITSPECIALISTS, LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 17.76% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NV 89147 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.90% |
| ALEXANDROS A. SOULIOTES3 | PO BOX 1536 SOLANA BEACH, CA 92075 | TRANSAMERICA LIFE INSURANCE COMPANY | $517 | — | $517 | 1.87% |
| BENEFIT ALLIANCE INSURANCE SERVICES3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 34.64% |
| GCG FINANCIAL LLC3 Filed as: DISTINCTIVE INSURANCE AN ALERA | 8375 WEST FLAMINGO ROAD #102 LAS VEGAS, NV 89147 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.24% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 905 | $3.5M |
| Dental | PRINCIPAL INSURANCE COMPANY | 961 | $444K |
| Vision | PRINCIPAL INSURANCE COMPANY | 961 | $444K |
| Life insurance | PRINCIPAL INSURANCE COMPANY | 961 | $444K |
| Short-term disability | PRINCIPAL INSURANCE COMPANY | 961 | $444K |
| Long-term disability | PRINCIPAL INSURANCE COMPANY | 961 | $444K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 905 | $3.4M |
| Other(3 contracts, 3 carriers) | PRINCIPAL INSURANCE COMPANY | 961 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.