| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE LAS VEGAS, NV 89134 | HEALTH PLAN OF NEVADA | $253K | $103K | $356K | 9.50% |
| GLB & AP LLC3 Filed as: GLB INSURANCE GROUP | 4455 S. PECOS ROAD LAS VEGAS, NV 89121 | LIBERTY DENTAL PLAN OF NEVADA, INC. | $31K | — | $31K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $33K | $1K | $34K | 19.58% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE LAS VEGAS, NV 89134 | EYEMED VISION CARE | $5K | — | $5K | 7.95% |
| PLATINUM ENROLLMENT SOLUTIONS3 Filed as: PLATINUM EMROLLMENT SOLUTIONS | 7100 FOUNDRY ROW LIBERTY TOWNSHIP, OH 45069 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32K | — | $32K | 117.47% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE LAS VEGAS, NV 89134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27K | — | $27K | 100.71% |
| VICTOR B GOLDMAN3 Filed as: VICTOR GOLDMAN | 4900 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 29.09% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 8.42% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 687 | $3.7M |
| Dental | LIBERTY DENTAL PLAN OF NEVADA, INC. | 858 | $313K |
| Vision | EYEMED VISION CARE | 452 | $62K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 162 | $202K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 162 | $175K |
| Prescription drug | HEALTH PLAN OF NEVADA | 687 | $3.7M |
| Other(4 contracts, 4 carriers) | AFLAC | 527 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.