| 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) | $31K | — | $31K | 2.18% |
| CORE NEVADA LLC3 | PO BOX 371210 LAS VEGAS, NV 89137 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $7K | — | $7K | 0.48% |
| WARREN G BENDER CO3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 95678 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $7K | — | $7K | 0.46% |
| CAROTHERS INSURANCE AGENCY3 Filed as: CAROTHERS INSURANCE AGENCY LLC | 3037 E WARM SPRINGS RD LAS VEGAS, NV 89120 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $5K | $739 | $6K | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINISTRATO | 721 S PARKER STREET ORANGE, CA 92868 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | — | $5K | $5K | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $4K | — | $4K | 0.29% |
| HENDRICKS & ASSOCIATES3 Filed as: HENDRICKS & ASSOCIATES INC | PO BOX 3077 RENO, NV 89505 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | — | $3K | 0.20% |
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | — | $3K | 0.20% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | — | $3K | 0.20% |
| CORNERSTONE BENEFITS LLC3 | 8919 W SAHARA AVE LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | — | $3K | 0.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | $127 | $2K | 0.17% |
| BEP CONSULTING LLC3 | 2835 ANTERES ST LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLSETON BLVD LAS VEGAS, NV 89135 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.14% |
| M HILL INSURANCE AGENCY LLC3 | 3085 S JONES BLVD SUITE A LAS VEGAS, NV 89146 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.12% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND STREET STE 1300 RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | $48 | $2K | 0.12% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH INC | 329 FLINT STREET RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.11% |
| LAWRENCE SMOOT3 | 730 S. ROYAL CREST CIRCLE LAS VEGAS, NV 89169 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.11% |
| SWARTS MANNING & ASSOCIATES3 | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $1K | — | $1K | 0.07% |
| MG INSURANCE AGENCY LLC3 | 8440 W LAKE MEAD BLVD STE 102 LAS VEGAS, NV 89128 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $760 | — | $760 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $755 | — | $755 | 0.05% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 307 | $1.4M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 307 | $1.4M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 307 | $1.4M |
| Life insurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 307 | $1.4M |
| Short-term disability | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 307 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.