| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NV, LLC SOUTH | 5985 HOME GARDENS DR SUITE A RENO, NV 89502 | PROMINENCE HEALTH PLAN | $15K | $0 | $15K | 1.55% |
| CLARK & ASSOCIATES3 | 520 HAMMILL LANE RENO, NV 89511 | PROMINENCE HEALTH PLAN | $11K | $0 | $11K | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | PROMINENCE HEALTH PLAN | $8K | $0 | $8K | 0.79% |
| VICKI COX3 | 3415 INDIAN LANE RENO, NV 89506 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.70% |
| R&J INSURANCE SERVICES, LLC3 | PO BOX 34625 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.61% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE SUITE 140 LAS VEGAS, NV 89134 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.59% |
| A AND H INSURANCE INC.3 Filed as: A&H INSURANCE, INC. | PO BOX 7340 RENO, NV 89510 | PROMINENCE HEALTH PLAN | $4K | $0 | $4K | 0.46% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, LLC | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | PROMINENCE HEALTH PLAN | $4K | $0 | $4K | 0.37% |
| DILLON HEALTH, LLC3 | 329 FLINT STREET RENO, NV 89501 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 0.32% |
| AWAREGOLD INC.3 | 445 APPLE STREET #110 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.22% |
| ELEVATED BENEFITS PLCC3 | 135 BLAIR PLACE RENO, NV 89509 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.17% |
| MICHELLE KIRKWOOD3 | 5715 W. ALEXANDER RD. SUITE 130 LAS VEGAS, NV 89130 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.12% |
| COMSTOCK INSURANCE3 | 9424 DOUBLE R BLVD RENO, NV 89511 | PROMINENCE HEALTH PLAN | $723 | $0 | $723 | 0.07% |
| THE MULTICARE GROUP LLC3 Filed as: THE MULTICARE GRP LLC | 5715 W. ALEXANDER RD. SUITE 130 LAS VEGAS, NV 89130 | PROMINENCE HEALTH PLAN | $352 | $0 | $352 | 0.04% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 290 | $969K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.