| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 89101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $80K | $0 | $80K | 5.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $760 | $760 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $117 | $117 | 0.01% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 891016023 | KAISER FOUNDATION HEALTH PLAN INC. | $43K | $0 | $43K | 3.30% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT SOLUTIONS, INC. | 300 S 4TH ST SUITE 700 LAS VEGAS, NV 891016023 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | $0 | $14K | 2.60% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 S 4TH STREET SUITE 704 LAS VEGAS, NV 891016023 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $135 | $28K | 17.14% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 300 SOUTH 4TH STREET SUITE 704 LAS VEGAS, NV 891016023 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $105 | $22K | 18.16% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 13.91% |
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 | 2,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,410 | $2.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,282 | $1.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,282 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,282 | $1.6M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,282 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,282 | — |
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.