| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | UNKNOWN LAS VEGAS, NV 89103 | HEALTH PLAN OF NEVADA | $81K | $44K | $125K | 7.75% |
| GCG FINANCIAL LLC3 Filed as: LERA GROUP AGENCY | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123K | $0 | $123K | 24.21% |
| WESTBROOK BENEFITS INC3 Filed as: NC WESTBROOK BENEFITS | 1313 WOODMORE STREET LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58K | $0 | $58K | 11.50% |
| TOM LY3 | 3717 STOWE CREEK AVENUE LAS VEGAS, NV 89081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 2.38% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 1.79% |
| TOM KOCH3 Filed as: TOM L. KOCH | 695 ORCHARD COURSE DRIVE LAS VEGAS, NV 89148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.90% |
| ARBOR CONSULTING INC3 | 1313 WOODMORE STREET LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.67% |
| ARBOR CONSULTING INC3 | 2685 SOUTH RAINBOW BOULEVARD SUITE 100 LAS VEGAS, NV 89146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.37% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 8.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.30% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 315 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 361 | $204K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 361 | $204K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 361 | $204K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 361 | $204K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 361 | $204K |
| Prescription drug | HEALTH PLAN OF NEVADA | 315 | $1.6M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 361 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.