| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS, INC.3 | 31 KEYSTONE AVE RENO, NV 89503 | PROMINENCE HEALTH PLAN | $20K | $0 | $20K | 2.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NV, LLC NORTH | 5985 HOME GARDENS DR SUITE A RENO, NV 89502 | PROMINENCE HEALTH PLAN | $12K | $0 | $12K | 1.59% |
| CLARK & ASSOCIATES3 | 5470 RENO CORPORATE DR RENO, NV 89511 | PROMINENCE HEALTH PLAN | $8K | $0 | $8K | 1.12% |
| HEALTH BENEFITS ASSOCIATES3 Filed as: HEALTH BENEFITS ASSOCIATES, COMMERC | 3716 LAKESIDE DR NO 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.80% |
| SCOTT SKRATULIA3 | 15840 VENTURA BLVD LOS ANGELES, CA 91436 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.17% |
| DILLON HEALTH, LLC3 | 329 FLINT STREET RENO, NV 89501 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.16% |
| STEVE PEECK3 | 316 CALIFORNIA AVE #302 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $634 | $0 | $634 | 0.09% |
| HENDRICK & ASSOCIATES3 | PO BOX 3077 RENO, NV 89505 | PROMINENCE HEALTH PLAN | $634 | $0 | $634 | 0.09% |
| VANTAGE INSURANCE AGENCY OF NV3 | PO BOX 33235 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $348 | $0 | $348 | 0.05% |
| AARDVARK INSURANCE OF NEVADA3 Filed as: AARDVARK INS OF NV, TERRANCE | 4600 KIETZKE LN SUITE A-105 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $325 | $0 | $325 | 0.04% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 195 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.