| 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) | $5K | — | $5K | 1.74% |
| 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) | $2K | — | $2K | 0.80% |
| 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) | $2K | — | $2K | 0.67% |
| CORNERSTONE BENEFITS LLC3 | 8919 W SAHARA AVE LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.62% |
| M HILL INSURANCE AGENCY LLC3 | 3085 S JONES BLVD SUITE A LAS VEGAS, NV 89146 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $1K | — | $1K | 0.44% |
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $985 | — | $985 | 0.33% |
| BEP CONSULTING LLC3 | 2835 ANTERES ST LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $747 | — | $747 | 0.25% |
| 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) | $361 | — | $361 | 0.12% |
| SWARTS MANNING & ASSOCIATES3 | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $308 | $8 | $316 | 0.10% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 184 | $301K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 184 | $301K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 184 | $301K |
| Life insurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 184 | $301K |
| Short-term disability | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 184 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.