| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $384 | $0 | $384 | 9.99% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $519 | $0 | $519 | 14.99% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $325 | $0 | $325 | 10.01% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $239 | $0 | $239 | 15.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21 | $0 | $21 | 10.00% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 76 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8 | $3K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 76 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.