| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & ASSOCIATES3 | 520 HAMILL LANE RENO, NV 89511 | PROMINENCE HEALTH PLAN | $101K | $0 | $101K | 3.34% |
| R&J INSURANCE SERVICES, LLC3 | PO BOX 34625 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $21K | $0 | $21K | 0.68% |
| ELEVATED BENEFITS PLCC3 | 135 BLAIR PLACE RENO, NV 89509 | PROMINENCE HEALTH PLAN | $16K | $0 | $16K | 0.54% |
| LEWIS ,JOEL3 Filed as: J&M LEWIS INC. | 1535 DESERET DR MINDEN, NV 89423 | PROMINENCE HEALTH PLAN | $12K | $0 | $12K | 0.40% |
| L/P INSURANCES SERVICES, LLC3 | 300 EAST 2ND STREET SUITE 1300 RENO, NC 89501 | PROMINENCE HEALTH PLAN | $8K | $0 | $8K | 0.27% |
| DISTINCTIVE INSURANCE3 | 9555 HILL SUITE 140 LAS VEGAS, NV 89134 | PROMINENCE HEALTH PLAN | $8K | $0 | $8K | 0.26% |
| THE MULTICARE GROUP LLC3 | 5715 W ALEXANDER ROAD SUITE 130 LAS VEGAS, NV 89130 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.23% |
| HENDRICKS & ASSOCIATES3 | PO BOX 3077 RENO, NV 89505 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.22% |
| EMPLOYER BENEFITS, INC.3 | 31 KEYSTONE AVE RENO, NV 89503 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DR SUITE A RENO, NV 89502 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.19% |
| LAURIE MCLELLAND3 | PO BOX 34570 RENO, NV 34570 | PROMINENCE HEALTH PLAN | $5K | $0 | $5K | 0.17% |
| HEALTH BENEFITS ASSOCIATES3 Filed as: HEALTH BENEFITS ASSOCIATES, INC. | 3716 LAKESIDE DR NO 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $5K | $0 | $5K | 0.15% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE, INC. | PO BOX 7340 RENO, NV 89510 | PROMINENCE HEALTH PLAN | $4K | $0 | $4K | 0.15% |
| ACS BUSINESS INSURANCE SERVICES3 | 3724 LAKE SUITE 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 0.12% |
| VANTAGE INSURANCE AGENCY OF NV3 | 1712 GRIZZLY ROAD PORTOLA, CA 96122 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.07% |
| JOHN DRAKULICH3 | 2215 N MCCARRAN SPARKS, NV 89431 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.06% |
| MIKE MENATH INSURANCE3 | 1325 AIRMOTIVE WAY SUITE 320 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 661 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.