| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK & ASSOCIATES3 | 520 HAMMILL LANE RENO, NV 89511 | PROMINENCE HEALTH PLAN | $18K | $0 | $18K | 1.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 375 E. WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | PROMINENCE HEALTH PLAN | $13K | $0 | $13K | 1.21% |
| VANTAGE INSURANCE AGENCY OF NV3 | 1712 GRIZZLY ROAD PORTOLA, CA 96122 | PROMINENCE HEALTH PLAN | $12K | $0 | $12K | 1.05% |
| R&J INSURANCE SERVICES, LLC3 | PO BOX 34625 RENO, NV 89533 | PROMINENCE HEALTH PLAN | $11K | $0 | $11K | 0.99% |
| HEALTH BENEFITS ASSOCIATES3 | 3716 LAKESIDE DR NO 100 RENO, NV 89509 | PROMINENCE HEALTH PLAN | $8K | $0 | $8K | 0.76% |
| LAURIE MACDONALD3 | 275 96TH AVE N, SUITE 4 ST. PETERSBURG, FL 33702 | PROMINENCE HEALTH PLAN | $8K | $0 | $8K | 0.68% |
| DILLON HEALTH, LLC3 | 329 FLINT STREET RENO, NV 89501 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 0.59% |
| 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 | 0.18% |
| COMSTOCK INSURANCE3 | 9424 DOUBLE R BLVD RENO, NV 89511 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.12% |
| AARDVARK INSURANCE OF NEVADA3 | 4600 KIETZKE LN SUITE A-105 RENO, NV 89502 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 0.09% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 238 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.