| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & ASSOCIATES3 | 520 HAMMILL LANE RENO, NV 89511 | PROMINENCE HEALTH PLAN | $44K | $0 | $44K | 3.14% |
| HEALTH BENEFITS ASSOCIATES3 | 3716 LAKESIDE DR NO 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $14K | $0 | $14K | 1.02% |
| VANTAGE INSURANCE AGENCY OF NV3 | 1712 GRIZZLY ROAD PORTOLA, CA 96122 | PROMINENCE HEALTH PLAN | $14K | $0 | $14K | 1.02% |
| R&J INSURANCE SERVICES, LLC3 | PO BOX 34625 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $12K | $0 | $12K | 0.85% |
| DILLON HEALTH, LLC3 | 329 FLINT STREET RENO, NV 89501 | PROMINENCE HEALTH PLAN | $7K | $0 | $7K | 0.53% |
| DISTINCTIVE INSURANCE3 | 9555 HILLWOOD DRIVE STE 140 LAS VEGAS, NV 89134 | PROMINENCE HEALTH PLAN | $3K | $0 | $3K | 0.23% |
| LMG CONSULTING LLC3 | 5037 SUBLIGHT AVENUE LAS VEGAS, NV 89108 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.18% |
| M STEFFEN SCHNEIDER AGENCY LLC3 Filed as: M. STEFFEN SCHNEIDER AGENCY, LLC | PO BOX 98113 LAS VEGAS, NV 89193 | PROMINENCE HEALTH PLAN | $2K | $0 | $2K | 0.16% |
| COMSTOCK INSURANCE3 | 9424 DOUBLE R BLVD RENO, NV 89511 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.09% |
| AARDVARK INSURANCE OF NEVADA3 | 4600 KIETZKE LN SUITE A-105 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $937 | $0 | $937 | 0.07% |
| PROSESSION INC3 Filed as: PROSESSION, INC. | 1 EAST LIBERTY STE 600 RENO, NV 89501 | PROMINENCE HEALTH PLAN | $411 | $0 | $411 | 0.03% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 414 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.