| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA BENEFIT PLANS, INC. | 1850 N CENTRAL AVE STE 2000 PHEONIZ, AZ 85004 | BCS INSURANCE COMPANY | $0 | $91K | $91K | 5.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD STE 150 LAS VEGAS, NV 89129 | BCS INSURANCE COMPANY | $0 | $36K | $36K | 2.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $0 | $7K | 0.52% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $0 | $42K | 5.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $0 | $31K | 4.55% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANT | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 3.39% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT SOLUTIONS, INC. | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 891290209 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | $0 | $4K | 0.77% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | BCS INSURANCE COMPANY | $51K | $0 | $51K | 11.95% |
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA BENEFIT PLANS, INC. | 1850 N CENTRAL AVE STE 2000 PHEONIZ, AZ 85004 | BCS INSURANCE COMPANY | $17K | $0 | $17K | 3.99% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.41% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 9.31% |
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 | 6,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 243 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,678 | $312K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,112 | $673K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,073 | $838K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 715 | $616K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,750 | $1.8M |
| Other(3 contracts, 3 carriers) | BCS INSURANCE COMPANY | 2,967 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,967 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.