Form 5500 · Employee benefit plan · LAS VEGAS, NV
JOSHCO GROUP, LLC
The filing calls this plan VETERAN BENEFITS GUIDE BENEFIT PLAN.
JOSHCO GROUP, LLC of LAS VEGAS, NV insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CULTURE INSURANCE SERVICES LLC. Coverage is written through ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-1321330 · plan 501 · plan year 2025, filed Mar 13, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 14 insured contracts covering health, dental, vision, life and disability; the largest, with ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC., covers 210 people.
Reported premium across the insured contracts is $1,583,775, with $99,868 in disclosed broker commissions — about 6.3% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
CULTURE INSURANCE SERVICES LLC is the broker of record on all 14 contracts.
4 carriers appear on the filing, including ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC., HMO COLORADO, UNITED OF OMAHA LIFE INSURANCE COMPANY and KAISER FOUNDATION HEALTH PLAN, INC.. ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. writes the largest contract by premium.
Schedule A insurance contracts
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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