| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & ASSOCIATES3 | 520 HAMMILL LANE RENO, NV 89511 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 2.41% |
| VICKI COX3 | 3415 INDIAN LANE RENO, NV 89506 | PROMINENCE HEALTH PLAN | $4K | $0 | $4K | 1.22% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE SUITE 140 LAS VEGAS, NV 89134 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 1.02% |
| R&J INSURANCE SERVICES, LLC3 | PO BOX 34625 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 0.84% |
| ELEVATED BENEFITS PLCC3 | 135 BLAIR PLACE RENO, NV 89509 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 0.82% |
| HEALTH BENEFITS ASSOCIATES3 Filed as: HEALTH BENEFITS ASSOCIATES, INC. | 3716 LAKESIDE DR NO 100 RENO, NY 89509 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.53% |
| ENROLLEASE3 Filed as: ONEDIGITAL DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PROMINENCE HEALTH PLAN | $911 | $0 | $911 | 0.30% |
| LEWIS ,JOEL3 Filed as: J&M LEWIS INC DBA LANGLANDS & ASSOC | 1535 DESERET DR MINDEN, NV 89423 | PROMINENCE HEALTH PLAN | $788 | $0 | $788 | 0.26% |
| AWAREGOLD INC.3 | 445 APPLE STREET #110 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $328 | $0 | $328 | 0.11% |
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 | 77 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 131 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.