| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $153K | $872K | $1.0M | 7.12% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $150K | — | $150K | 2.07% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | KAISER FOUNDATION HEALTH PLAN REGION MA | $111K | $10K | $121K | 1.97% |
| BRANCH BENEFITS CONSULTANTS3 Filed as: BRANCH BENEFIT CONSULTANTS | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $285K | $285K | 4.83% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HEALTH NEW ENGLAND | ONE MONARCH PLACE SUITE 1500 SPRINGFIELD, MA 01144 | BLUE TARP REDEVELOPMENT | $93K | — | $93K | 2.36% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIAES LTD | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $153K | — | $153K | 3.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 LOCKBOX 2027 PHOENIX, AZ 85038 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $35K | — | $35K | 0.91% |
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | EMPIRE BLUE CROSS BLUE SHIELD | $153K | — | $153K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EMPIRE BLUE CROSS BLUE SHIELD | — | $35K | $35K | 0.91% |
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | AETNA LIFE INSURANCE CO. | $103K | — | $103K | 2.74% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE. STE 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $68K | — | $68K | 1.83% |
| AUBREY BRANCH3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | RELIASTAR LIFE INSURANCE COMPANY | $700K | — | $700K | 43.07% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $78K | $92K | 6.98% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $40K | $54K | 9.16% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | DELTA DENTAL | $9K | — | $9K | 1.54% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $3K | $35K | 6.41% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | METLIFE LEGAL PLANS | $59K | — | $59K | 11.28% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 6.75% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE | $11K | — | $11K | 4.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE | — | $11K | $11K | 4.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE. STE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE | — | $11K | $11K | 4.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE. W S229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE | — | $2K | $2K | 0.79% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE | $2K | — | $2K | 0.79% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIATES | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | UNUM LIFE INSURANCE COMPANY | $901 | — | $901 | 2.65% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY | $580 | — | $580 | 1.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 LOCKBOX 2027 PHOENIX, NV 85038 | UNUM LIFE INSURANCE COMPANY | $450 | — | $450 | 1.32% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 LAS VEGAS, NV 89130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 100.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 LOCKBOX 2027 PHOENIX, NV 85038 | UNUM LIFE INSURANCE COMPANY | $6K | $39 | $6K | 20.12% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE. STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $907 | $2K | $2K | 7.93% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE. W S229 WHITE PLAINS, NY 10604 | FIDELITY SECURITY LIFE INSURANCE CO. | $629 | — | $629 | 9.78% |
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 | 23,657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 310 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 732 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN | 1,400 | $42.1M |
| Dental(8 contracts, 6 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 11,743 | $16.3M |
| Vision(10 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE CO. | 24,589 | $1.6M |
| Life insurance(12 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,207 | $17.5M |
| Short-term disability(6 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,207 | $15.5M |
| Long-term disability(5 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,207 | $16.8M |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN | 1,400 | $30.8M |
| Other(12 contracts, 8 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,207 | $18.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,589 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.