| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & ASSOCIATES3 | 5470 RENO CORPORATE DR RENO, NV 89511 | PROMINENCE HEALTH PLAN | $31K | $0 | $31K | 2.46% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, LLC | 300 EAST 2ND STREET SUITE 1300 RENO, NV 89501 | PROMINENCE HEALTH PLAN | $13K | $0 | $13K | 1.06% |
| HEALTH BENEFITS ASSOCIATES3 Filed as: HEALTH BENEFITS ASSOCIATES, COMMERC | 3716 LAKESIDE DR NO 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.55% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD NO. 102 LAS VEGAS, NV 89147 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.52% |
| ROBERT SMITH3 | PO BOX 5996 RENO, NV 89513 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.47% |
| VANTAGE INSURANCE AGENCY OF NV3 | PO BOX 33235 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $5K | $0 | $5K | 0.37% |
| DILLON HEALTH, LLC3 | 329 FLINT STREET RENO, NV 89501 | PROMINENCE HEALTH PLAN | $4K | $0 | $4K | 0.32% |
| LEAVITT GROUP3 Filed as: BRENT LEAVITT | 2860 NATIONAL AVE PAHRUMP, NV 89048 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.18% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFITS SERVICES | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | PROMINENCE HEALTH PLAN | $546 | $0 | $546 | 0.04% |
| AARDVARK INSURANCE OF NEVADA3 Filed as: AARDVARK INS OF NV, TERRANCE | 4600 KIETZKE LN SUITE A-105 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $493 | $0 | $493 | 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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 483 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.