| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2480 WEST HORIZON RIDGE PARKWAY SUITE 110 HENDERSON, NV 89052 | HEALTH PLAN OF NEVADA | $39K | $10K | $49K | 5.25% |
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE, LLC. | 2470 SAINT ROSE PARKWAY SUITE 203 HENDERSON, NV 89074 | HEALTH PLAN OF NEVADA | $7K | $4K | $12K | 1.25% |
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE, LLC. | 2470 SAINT ROSE PARKWAY SUITE 203 HENDERSON, NV 89074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.57% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2470 SAINT ROSE PARKWAY SUITE 203 HENDERSON, NV 89074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $824 | $0 | $824 | 8.35% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2480 HORIZON RIDGE PARKWAY SUITE 110 HENDERSON, NV 89052 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $168 | $0 | $168 | 1.70% |
| DISTINCTIVE INSURANCE3 Filed as: DISTINCTIVE INSURANCE, LLC. | 8375 WEST FLAMINGO ROAD SUITE 102 LAS VEGAS, NV 89147 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $788 | $0 | $788 | 15.35% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 211 | $930K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $74K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 212 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $5K |
| Prescription drug | HEALTH PLAN OF NEVADA | 211 | $930K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.