| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | UNITEDHEALTHCARE INSURANCE COMPANY | $128K | $0 | $128K | 4.01% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $5K | $34K | 8.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$19K | -$19K | -4.50% |
| KAREN SUZANNE SCHILLING4 Filed as: KAREN EASTMAN | 8041 WISHING WELL ROAD LAS VEGAS, NV 89123 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 14.48% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $3.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $417K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $417K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $417K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $417K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $417K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $3.2M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.