| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 | 7660 W CHEYENNE AVE., SUITE 109 LAS VEGAS, NV 89129 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $166K | $0 | $166K | 2.97% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 29122 RANCHO VIEJO RD. SUITE 106 SAN JUAN CAPISTRANO, CA 92675 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 2.94% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANT | 300 S 4TH STREET, SUITE 704 LAS VEGAS, NV 89101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $0 | $42K | 15.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANT | 300 S 4TH STREET, SUITE 704 LAS VEGAS, NV 89101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 5.07% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANT | 300 SOUTH 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
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 | 878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,598 | $7.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 874 | $280K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 874 | $98K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,598 | $5.6M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 874 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,598 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.