| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERV WEST, LLC | 520 HAMILL LANE DBA CLARK ASSOCIATES RENO, NV 89511 | PROMINENCE HEALTH PLAN | $94K | $0 | $94K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN | 721 S PARKER SUITE 300 ORANGE, CA 92868 | PROMINENCE HEALTH PLAN | $17K | $0 | $17K | 0.42% |
| ACS BUSINESS INSURANCE SERVICES3 | 4826 ALLISON DRIVE RENO, NV 89519 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.18% |
| EMPLOYER BENEFITS, INC.3 | 31 KEYSTONE AVE RENO, NV 89503 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.16% |
| JOHN LATOURETTE - MANAGING AGENCY3 Filed as: JOHN LATOURETTE | PO BOX 40308 RENO, NV 89504 | PROMINENCE HEALTH PLAN | $4K | $0 | $4K | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DR SUITE A RENO, NV 89502 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 0.08% |
| LAURIE MCLELLAND3 | PO BOX 34570 RENO, NV 34570 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.06% |
| HEALTH BENEFITS ASSOCIATES3 Filed as: HEALTH BENEFITS ASSOCIATES, INC. | 3716 LAKESIDE DR NO 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.04% |
| R&J INSURANCE SERVICES, LLC3 | PO BOX 34625 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.03% |
| HENDRICKS & ASSOCIATES3 | PO BOX 3077 RENO, NV 89505 | PROMINENCE HEALTH PLAN | $511 | $0 | $511 | 0.01% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 597 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.