| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A AND H INSURANCE INC.3 | PO BOX 7340 RENO, NV 89510 | PROMINENCE HEALTH PLAN | $13K | $0 | $13K | 2.25% |
| CLARK & ASSOCIATES3 | 5470 RENO CORPORATE DRIVE RENO, NV 89511 | PROMINENCE HEALTH PLAN | $11K | $0 | $11K | 1.88% |
| HEALTH BENEFITS ASSOCIATES3 Filed as: HEALTH BENEFITS ASSOCIATES, INC. | 3716 LAKESIDE DR RENO, NV 89509 | PROMINENCE HEALTH PLAN | $9K | $0 | $9K | 1.68% |
| MICHAEL DANIEL3 | 680 QUEEN WAY SPARKS, NC 89431 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.29% |
| JEWELS BENEFITS3 | 2613 EMPIRE RANCH RD SUITE 21934 CARSON CITY, NV 89701 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.26% |
| LAURIE MCLELLAND3 | PO BOX 34570 RENO, NV 89510 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.24% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 154 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.