| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DR STE 140 LAS VEGAS, NV 89134 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $29K | $0 | $29K | 2.22% |
| CHARLES A JENSEN & ASSOCIATES INC3 | 6295 MCLEOD DR LAS VEGAS, NV 89120 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $13K | $0 | $13K | 1.03% |
| CORE NEVADA LLC3 | PO BOX 371210 LAS VEGAS, NV 89137 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $5K | $713 | $6K | 0.46% |
| INSGROUP INC3 Filed as: GLB INSURANCE GROUP OF NEVADA | 4455 S PECOS ROAD LAS VEGAS, NV 89121 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | $2K | $5K | 0.39% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD STE 1045 SANTA MONICA, CA 90405 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $5K | $0 | $5K | 0.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $4K | $0 | $4K | 0.32% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTHERN HIGHLANDS PKWY 201 LAS VEGAS, NV 89141 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | $0 | $3K | 0.21% |
| SWARTS MANNING & ASSOCIATES3 | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | $0 | $2K | 0.19% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE INC | 3301 S VIRGINIA ST RENO, NV 89502 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | $0 | $2K | 0.18% |
| LEWIS ,JOEL3 | 1664 HWY 395 N SUITE 101 MINDEN, NV 89423 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | $0 | $2K | 0.18% |
| MAYFAIR MANAGEMENT GROUP INC3 | 830 CARNEGIE ST UNIT 1322 HENDERSON, NV 89052 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | $0 | $2K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $1K | $0 | $1K | 0.10% |
| SNIDER ,RONALD3 | PO BOX 400638 LAS VEGAS, NV 89140 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $546 | $238 | $784 | 0.06% |
| BEP CONSULTING LLC3 | 2835 ANTERES ST LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $507 | $0 | $507 | 0.04% |
| THE LAUGHTON COMPANY3 Filed as: LAUGHTON COMPANY (THE) | 140 WASHINGTON STREET, SUITE #100 RENO, NV 89503 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $440 | $0 | $440 | 0.03% |
| WATERS ,NEAL3 | 2431 W HORIZON RIDGE PKWY STE 100 HENDERSON, NV 89052 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $231 | $0 | $231 | 0.02% |
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $44 | $0 | $44 | 0.00% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DR STE 140 LAS VEGAS, NV 89134 | HMO COLORADO (G1522) | $8K | $0 | $8K | 2.21% |
| CHARLES A JENSEN & ASSOCIATES INC3 | 6295 MCLEOD DR LAS VEGAS, NV 89120 | HMO COLORADO (G1522) | $3K | $0 | $3K | 1.02% |
| CORE NEVADA LLC3 | PO BOX 371210 LAS VEGAS, NV 89137 | HMO COLORADO (G1522) | $1K | $187 | $2K | 0.46% |
| INSGROUP INC3 Filed as: GLB INSURANCE GROUP OF NEVADA | 4455 S PECOS ROAD LAS VEGAS, NV 89121 | HMO COLORADO (G1522) | $983 | $416 | $1K | 0.41% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD STE 1045 SANTA MONICA, CA 90405 | HMO COLORADO (G1522) | $1K | $0 | $1K | 0.38% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | HMO COLORADO (G1522) | $1K | $0 | $1K | 0.32% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTHERN HIGHLANDS PKWY 201 LAS VEGAS, NV 89141 | HMO COLORADO (G1522) | $698 | $0 | $698 | 0.20% |
| SWARTS MANNING & ASSOCIATES3 | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | HMO COLORADO (G1522) | $656 | $0 | $656 | 0.19% |
| LEWIS ,JOEL3 | 1664 HWY 395 N SUITE 101 MINDEN, NV 89423 | HMO COLORADO (G1522) | $608 | $0 | $608 | 0.18% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE INC | 3301 S VIRGINIA ST RENO, NV 89502 | HMO COLORADO (G1522) | $526 | $0 | $526 | 0.15% |
| MAYFAIR MANAGEMENT GROUP INC3 | 830 CARNEGIE ST UNIT 1322 HENDERSON, NV 89052 | HMO COLORADO (G1522) | $498 | $0 | $498 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | HMO COLORADO (G1522) | $341 | $0 | $341 | 0.10% |
| SNIDER ,RONALD3 | PO BOX 400638 LAS VEGAS, NV 89140 | HMO COLORADO (G1522) | $143 | $62 | $205 | 0.06% |
| BEP CONSULTING LLC3 | 2835 ANTERES ST LAS VEGAS, NV 89117 | HMO COLORADO (G1522) | $133 | $0 | $133 | 0.04% |
| THE LAUGHTON COMPANY3 Filed as: LAUGHTON COMPANY (THE) | 140 WASHINGTON STREET, SUITE #100 RENO, NV 89503 | HMO COLORADO (G1522) | $115 | $0 | $115 | 0.03% |
| WATERS ,NEAL3 | 2431 W HORIZON RIDGE PKWY STE 100 HENDERSON, NV 89052 | HMO COLORADO (G1522) | $61 | $0 | $61 | 0.02% |
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | HMO COLORADO (G1522) | $11 | $0 | $11 | 0.00% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 427 | $1.6M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 427 | $1.3M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 427 | $1.3M |
| Life insurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 427 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.