| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | UNKNOWN LAS VEGAS, NV 89103 | HEALTH PLAN OF NEVADA | $84K | $29K | $114K | 6.75% |
| DISTINCTIVE INSURANCE3 | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101K | $0 | $101K | 13.37% |
| WESTBROOK BENEFITS INC3 | 1313 WOODMORE STREET LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48K | $0 | $48K | 6.42% |
| TOM KOCH3 Filed as: TOM L. KOCH | 695 ORCHARD COURSE DRIVE LAS VEGAS, NV 89148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 1.42% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 0.99% |
| ARBOR CONSULTING INC3 | 2685 SOUTH RAINBOW BOULEVARD SUITE 100 LAS VEGAS, NV 89146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.41% |
| TOM LY3 | 21347 CYPRESS CONIFER DRIVE CYPRESS, TX 77433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.39% |
| ARBOR CONSULTING INC3 | 1313 WOODMORE STREET LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | $0 | $652 | 0.09% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $6K | $19K | 9.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.46% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 329 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $200K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $200K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $200K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $200K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $200K |
| Prescription drug | HEALTH PLAN OF NEVADA | 329 | $1.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 385 | $956K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.