| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN | 721 S. PARKER SUITE 300 ORANGE, CA 92868 | PROMINENCE HEALTH PLAN | $15K | $0 | $15K | 1.45% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERV OF THE WEST | 520 HAMMILL LANE DBA CLARK AND ASSOCIATES RENO, NV 89511 | PROMINENCE HEALTH PLAN | $11K | $0 | $11K | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.54% |
| DISTINCTIVE INSURANCE3 | 8375 W. FLAMINGO RD #102 LAS VEGAS, NV 89147 | PROMINENCE HEALTH PLAN | $809 | $0 | $809 | 0.08% |
| COMSTOCK INSURANCE3 | 9424 DOUBLE R BLVD RENO, NV 89511 | PROMINENCE HEALTH PLAN | $685 | $0 | $685 | 0.07% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | PROMINENCE HEALTH PLAN | $498 | $0 | $498 | 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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 151 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.