| 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 | $47K | $23K | $70K | 5.31% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $6K | $57 | $6K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 1489 W WARM SPRINGS RD STE 110 UNIT 230 HENDERSON, NV 89014 | AFLAC | $930 | $12 | $942 | 1.56% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $786 | $12 | $798 | 1.32% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $374 | — | $374 | 0.62% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $276 | — | $276 | 0.46% |
| REGINA G AICKLEN3 | 236 HANLEY WAY HENDERSON, NV 89074 | AFLAC | $221 | — | $221 | 0.37% |
| JENNIFER C BOREK3 | 11612 BOLLINGER LN LAS VEGAS, NV 89141 | AFLAC | $124 | — | $124 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $122 | — | $122 | 0.20% |
| COLISTA R SHETLER3 | 2418 PEBBLE SPRINGS CT HENDERSON, NC 89074 | AFLAC | $89 | — | $89 | 0.15% |
| LANA NICHOLS PADILLA3 | 1094 KABUKI AVE HENDERSON, NV 89074 | AFLAC | $67 | — | $67 | 0.11% |
| JILL A HART3 | 3425 MAVERICK ST LAS VEGAS, NV 89108 | AFLAC | $62 | — | $62 | 0.10% |
| TERESA BLAKE3 Filed as: TERESA A BLAKE | 3408 CANTURA BLUFF AVE NORTH LAS VEGAS, NV 89031 | AFLAC | $47 | — | $47 | 0.08% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $46 | — | $46 | 0.08% |
| CHRISTINA ANNE LEININGER3 | 8880 BENSON AVE STE 106 MONTCLAIR, CA 91763 | AFLAC | $44 | — | $44 | 0.07% |
| KATHLEEN LEININGER INS SERVICES INC3 | 13655 NIMES CT CHINO HILLS, CA 91709 | AFLAC | $24 | — | $24 | 0.04% |
| JENNIFER C BOREK3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $22 | — | $22 | 0.04% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $18 | — | $18 | 0.03% |
| BOB J BRYSON3 | 1889 SAN FERNANDO DR LAS CRUCES, NM 88011 | AFLAC | $18 | — | $18 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $17 | — | $17 | 0.03% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $15 | — | $15 | 0.02% |
| EDWIN R SWAIN3 | 6310 N DURANGO DR APT 27 LAS VEGAS, NC 89149 | AFLAC | $15 | — | $15 | 0.02% |
| KATHLEEN A STRANDBOGE3 | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $12 | — | $12 | 0.02% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $11 | — | $11 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $10 | — | $10 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $9 | — | $9 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $3 | — | $3 | 0.00% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.00% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $215 | $4K | 7.31% |
| 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 | $4K | — | $4K | 6.36% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $822 | $353 | $1K | 2.03% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $915 | — | $915 | 1.58% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $20 | $699 | 1.21% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $662 | — | $662 | 1.15% |
| CHARLES GIAMPA3 | 5621 NORTH OKETO CHICAGO, IL 60631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.45% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.41% |
| BUFFONE AND ASSOCIATES INC3 Filed as: BUFFONE AND ASSOCIATES | 8255 LAS VEGAS BLVD S LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.09% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 246 | $1.3M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 246 | $1.3M |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 246 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 183 | $80K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 246 | $1.3M |
| Other(3 contracts, 3 carriers) | AFLAC | 183 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.