About Us
Since 1990, Distinctive Insurance has provided insurance and employee benefits consulting services to Southern Nevada businesses.
Distinctive was founded on the belief that a benefit and risk management firm should function as an arm of the company it represents. Distinctive strives to deliver tailored insurance solutions with thoughtful strategic planning, valuable professional services, and technology-based resources.
In 2018, Distinctive joined Alera Group, one of the nation’s top 15 largest independent insurance agencies and one of the top 10 largest privately held benefits firms.
The Alera Group comprises over 80 firms and serves thousands of clients nationwide. This national presence allows Distinctive to provide employee benefits, property and casualty, and wealth management services with the resources, technical expertise and best practices of a larger national firm.
Meet Our Team
Danny Ross
Accounting and Programming
Peggy Ross
Office Manager
Michael Stewart
Property & Casualty Practice Leader
Lance Sullivan
Benefits Consultant
Lance provides employers with the best in employee benefits, strategizing innovative and collaborative solutions to control long-term health care costs.
After earning a BS in Education from Montana State University, Lance began a career in employee benefits spanning over twenty-nine years, starting in October of 1992 in Billings, Montana, and continuing to Wyoming, South Dakota, Florida, and Nevada.
Lance was originally an Air Force veteran from Montana, as well as a Miami Dolphins fan that loves to hike, read and experience new adventures. He and his wife Cynthia (Cyndee) have three children: A 27-year-old son that lives in California, a 26-year-old daughter in Florida, and a 20-year-old son that goes to college in Indiana.
Resources
Portal Resources
EXPERT EDUCATION
Events and Webinars
Employee Benefits
2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?
In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.
June 26, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Dynamic Data: Strategies for Success
Join us for this session, as our experts will share how to utilize your organization’s data to create advanced and innovative strategies for success.
July 17, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package
In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.
August 21, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Reminder: PCORI Fees Due By July 31, 2025
Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2025 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI) via Form 720, which was recently updated and released by the IRS.
June 3, 2025
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Benefits Captives: Your Business and What Your Competitors Are Doing
In one form or another, Captive Insurance has existed as a risk management solution for many decades — originally for property and casualty coverage and primarily for large employers. But its viability as a solution for employee benefits and for midsized businesses has increased dramatically in recent years, fueled by volatility in the insurance market in general and by the skyrocketing cost of health insurance in particular.
May 29, 2025
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Agencies Push Pause Button on Enforcement of MHPAEA 2024 Final Rule
On May 15, 2025, the Department of Labor, Department of Health and Human Services, and the Treasury Department (collectively, the “Agencies”) released a statement regarding the Agencies’ recent request for abeyance of a lawsuit filed by the ERISA Industry Committee (“ERIC”) in the U.S. District Court for the District of Columbia that challenged certain aspects of Mental Health Parity and Addiction Equity Act (MHPAEA) Final Rule (“2024 Final Rule”) relating to nonquantitative treatment limitation comparative analyses (“NQTL analyses”).
May 16, 2025
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IRS Releases 2026 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits
In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.
May 5, 2025
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