| 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 | $42K | $24K | $66K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.07% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $204 | $3K | 11.49% |
| 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 | $2K | $111 | $2K | 8.19% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $721 | $19 | $740 | 2.62% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | $14 | $617 | 2.18% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $527 | $59 | $586 | 2.07% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.62% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $53 | $126 | 0.45% |
| CHARLES GIAMPA3 | 5621 NORTH OKETO CHICAGO, IL 60631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.25% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.20% |
| BUFFONE AND ASSOCIATES INC3 Filed as: BUFFONE AND ASSOCIATES | 8255 LAS VEGAS BLVD S LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $381 | — | $381 | 9.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST ST LAS VEGAS, NV 89183 | AFLAC | $63 | — | $63 | 1.55% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $54 | — | $54 | 1.33% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $24 | — | $24 | 0.59% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $17 | — | $17 | 0.42% |
| REGINA G AICKLEN3 | 236 HANLEY WAY HENDERSON, NV 89074 | AFLAC | $13 | — | $13 | 0.32% |
| LANA NICHOLS PADILLA3 | 1094 KABUKI AVE HENDERSON, NV 89074 | AFLAC | $12 | — | $12 | 0.30% |
| JILL A HART3 | 3425 MAVERICK ST LAS VEGAS, NV 89108 | AFLAC | $11 | — | $11 | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $10 | — | $10 | 0.25% |
| JENNIFER C BOREK3 | 11612 BOLLINGER LN LAS VEGAS, NV 89141 | AFLAC | $8 | — | $8 | 0.20% |
| COLISTA R SHETLER3 | 2418 PEBBLE SPRINGS CT HENDERSON, NC 89074 | AFLAC | $5 | — | $5 | 0.12% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $3 | — | $3 | 0.07% |
| CHRISTINA ANNE LEININGER3 | 27636 FALKIRK MISSION VIEJO, CA 92691 | AFLAC | $3 | — | $3 | 0.07% |
| KATHLEEN LEININGER INS SERVICES INC3 | 13655 NIMES CT CHINO HILLS, CA 91709 | AFLAC | $2 | — | $2 | 0.05% |
| KATHLEEN A STRANDBOGE3 Filed as: KATHLEEN STRANDBOGE | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $1 | — | $1 | 0.02% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $1 | — | $1 | 0.02% |
| BOB J BRYSON3 | 1889 SAN FERNANDO DR LAS CRUCES, NM 88011 | AFLAC | $1 | — | $1 | 0.02% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $1 | — | $1 | 0.02% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $1 | — | $1 | 0.02% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 252 | $1.4M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 252 | $1.4M |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 252 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $70K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 252 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.