| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLY JOHNSON DRIVE STE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $29K | $21K | $50K | 5.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR, STE 100 LAS VEGAS, NV 89119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $17K | 11.07% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $6K | $110 | $6K | 10.66% |
| DWAYNE R MARTINEZ3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $681 | $18 | $699 | 1.24% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $469 | — | $469 | 0.83% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $440 | — | $440 | 0.78% |
| REGINA G AICKLEN3 | 236 HANLEY WAY HENDERSON, NV 89074 | AFLAC | $266 | — | $266 | 0.47% |
| JENNIFER C BOREK3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $197 | — | $197 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $164 | — | $164 | 0.29% |
| COLISTA R SHETLER3 | 9003 BELCONTE LN HENDERSON, NV 89074 | AFLAC | $89 | — | $89 | 0.16% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $62 | — | $62 | 0.11% |
| LANA NICHOLS PADILLA3 | 1094 KABUKI AVE HENDERSON, NV 89074 | AFLAC | $57 | — | $57 | 0.10% |
| REGINA G AICKLEN3 | 236 HANLEY WAY HENDERSON, NV 89074 | AFLAC | $53 | — | $53 | 0.09% |
| JILL A HART3 | 3425 MAVERICK ST LAS VEGAS, NV 89108 | AFLAC | $53 | — | $53 | 0.09% |
| TERESA BLAKE3 Filed as: TERESA A BLAKE | 3408 CANTURA BLUFF AVE NORTH LAS VEGAS, NV 89031 | AFLAC | $44 | — | $44 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $25 | — | $25 | 0.04% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $23 | — | $23 | 0.04% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $21 | — | $21 | 0.04% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANNI AVE HENDERSON, NV 89052 | AFLAC | $21 | — | $21 | 0.04% |
| EDWIN R SWAIN3 | 6310 N DURANGO DR APT 227 LAS VEGAS, NV 89149 | AFLAC | $14 | — | $14 | 0.02% |
| BOB J BRYSON3 | 1889 SAN FERNANDO DR LAS CRUCES, NM 88011 | AFLAC | $13 | — | $13 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $13 | — | $13 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $9 | — | $9 | 0.02% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 89118 | AFLAC | $9 | — | $9 | 0.02% |
| KATHLEEN A STRANDBOGE3 | 6121 ROCKETMAN CIRCLE LAS VEGAS, NV 89149 | AFLAC | $9 | — | $9 | 0.02% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $4 | — | $4 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 5026 BUBBLING CREEK LN APT 104 MILLINGTON, TN 38053 | AFLAC | $3 | — | $3 | 0.01% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $191 | $3K | 6.48% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $871 | — | $871 | 2.08% |
| CATHY BUFFONE3 | 1412 PENINSULA PT AVE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $782 | — | $782 | 1.86% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $228 | $772 | 1.84% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | $16 | $581 | 1.38% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.65% |
| CHARLES GIAMPA3 | 5621 NORTH OKETO CHICAGO, IL 60631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 0.59% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $55 | $211 | 0.50% |
| ISIDORO ZEICHNER3 | 525 C ST APT 401 SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $14 | $100 | 0.24% |
| BUFFONE AND ASSOCIATES INC3 Filed as: BUFFONE AND ASSOCIATES | 1412 PENINSULA PT AVE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.12% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| NICOLE BLANCHARD3 | 7545 OSO BLANCA RD LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 270 | $972K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $210K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $210K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $252K |
| Short-term disability | AFLAC | 80 | $57K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 270 | $972K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.