| 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) | $3K | $0 | $3K | 1.94% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH INC | 329 FLINT STREET RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | $0 | $3K | 1.83% |
| 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) | $980 | $92 | $1K | 0.65% |
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $1K | $0 | $1K | 0.64% |
| M HILL INSURANCE AGENCY LLC3 | 3085 S JONES BLVD SUITE A LAS VEGAS, NV 89146 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $580 | $275 | $855 | 0.52% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DR STE 140 LAS VEGAS, NV 89134 | HMO COLORADO (G1522) | $297 | $0 | $297 | 1.93% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH INC | 329 FLINT STREET RENO, NV 89501 | HMO COLORADO (G1522) | $281 | $0 | $281 | 1.83% |
| CAROTHERS INSURANCE AGENCY3 Filed as: CAROTHERS INSURANCE AGENCY LLC | 3037 E WARM SPRINGS RD LAS VEGAS, NV 89120 | HMO COLORADO (G1522) | $91 | $9 | $100 | 0.65% |
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | HMO COLORADO (G1522) | $98 | $0 | $98 | 0.64% |
| M HILL INSURANCE AGENCY LLC3 | 3085 S JONES BLVD SUITE A LAS VEGAS, NV 89146 | HMO COLORADO (G1522) | $54 | $26 | $80 | 0.52% |
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 | 25 | 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) | 25 | 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) | 50 | $180K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 50 | $165K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 50 | $165K |
| Life insurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 50 | $165K |
| Short-term disability | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 50 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50 | — |
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.
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.
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.