| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $41K | $0 | $41K | 2.59% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107K | $0 | $107K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103K | $0 | $103K | 10.00% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANT | 3295 N FORT APACHE RD. STE 150 LAS VEGAS, NV 89129 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | $0 | $92K | 10.00% |
| 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. | $17K | $0 | $17K | 2.19% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $17K | $63K | 25.25% |
| CUSTOM BENEFIT CONSULTANTS INC.3 | 3295 N FORT APACHE RD SUITE 150 LAS VEGAS, NV 891290209 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $15K | $54K | 24.80% |
| 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 | 9.46% |
| CUSTOM BENEFIT CONSULTANTS INC.3 Filed as: CUSTOM BENEFIT CONSULTANTS, INC. | 300 S. 4TH STREET SUITE 700 LAS VEGAS, NV 89101 | METLIFE LEGAL PLANS | $530 | $848 | $1K | 2.30% |
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 | 5,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,811 | $2.8M |
| Vision | VISION SERVICE PLAN | 2,620 | $321K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,185 | $1.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,086 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,044 | $920K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,811 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,185 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.