| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TYLER INSURANCE GROUP LLC3 | 5540 S FORT APACHE RD SUITE 100 LAS VEGAS, NV 89148 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $14K | — | $14K | 1.50% |
| USI INSURANCE SERVICES LLC3 | P O BOX 66119 VIRGINIA BEACH, VA 23466 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $7K | — | $7K | 0.74% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DR STE 140 LAS VEGAS, NV 89134 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $6K | — | $6K | 0.62% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: KORU RISK MANAGEMENT LLC | 202 NEWPORT CENTER DRIVE NEWPORT BEACH, CA 92660 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $4K | — | $4K | 0.43% |
| JOEL LEWIS3 | 1664 HWY 395 N SUITE 101 MINDEN, NV 89423 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $4K | — | $4K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $4K | $9 | $4K | 0.39% |
| M HILL INSURANCE AGENCY LLC3 | 3085 S JONES BLVD SUITE A LAS VEGAS, NV 89146 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $3K | — | $3K | 0.28% |
| 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 | $155 | $2K | 0.25% |
| THE MULTICARE GROUP LLC3 | 5715 W ALEXANDER ROAD SUITE 130 LAS VEGAS, NV 89130 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN | 721 S PARKER STREET ORANGE, CA 92868 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | — | $2K | $2K | 0.21% |
| CORE NEVADA LLC3 | PO BOX 371210 LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $2K | 0.21% |
| COMSTOCK INSURANCE AGENCIES INC3 | 9424 DOUBLE R BLVD RENO, NV 89521 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $2K | — | $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 | — | $2K | 0.17% |
| NEVADA BENEFITS CORPORATION3 | 9505 HILLWOOD DR #100 LAS VEGAS, NV 89134 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $1K | — | $1K | 0.13% |
| 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) | $786 | — | $786 | 0.09% |
| ACS BUSINESS INSURANCE SERVICES3 Filed as: ACS BUSINESS INSURANCE SERVICES INC | 3724 LAKESIDE DR SUITE 100 RENO, NV 89509 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | $669 | — | $669 | 0.07% |
| 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) | $193 | — | $193 | 0.02% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 214 | $900K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 214 | $900K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. (G1525) | 214 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
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.