| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE INSURANCE SERVICES LLC3 Filed as: LAYNE INSURANCE SERVICES, LLC | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | PROMINENCE HEALTH PLAN | $41K | — | $41K | 6.00% |
| LAYNE INSURANCE SERVICES LLC3 Filed as: LAYNE INS SERVICES, LLC | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY, | $8K | $1K | $10K | 10.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL S SARAZIN | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $3K | $127 | $3K | 10.49% |
| CHAD G LAYNE3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AFLAC | $1K | — | $1K | 4.29% |
| DWAYNE R MARTINEZ3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $736 | $25 | $761 | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $553 | — | $553 | 2.02% |
| SIMON B REYES3 | 4625 S POLARIS AVE LAS VEGAS, NV 89103 | AFLAC | $253 | — | $253 | 0.92% |
| LESTER RAY BLACKSHEAR3 | 500 E FORT KING ST STE A OCALA, FL 34471 | AFLAC | $233 | — | $233 | 0.85% |
| BRANDON M JONES3 | 6863 TREBLE CLEF AVE LAS VEGAS, NV 89139 | AFLAC | $120 | $25 | $145 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $114 | $25 | $139 | 0.51% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $18 | — | $18 | 0.07% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $11 | — | $11 | 0.04% |
| EL TORRO INC3 | 2549 PALM DALE DR SW WYOMING, MI 49418 | AFLAC | $7 | — | $7 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | AFLAC | $6 | — | $6 | 0.02% |
| TRAVIS MOORE3 | 16805 MOUNT ROSE HWY APT A RENO, NV 89511 | AFLAC | $4 | — | $4 | 0.01% |
| TAMARA ANNE HINES3 Filed as: TAMARA ANNE WATSON | 8200 OFFENHAUSER DRIVE, APT #126F RENO, NV 89511 | AFLAC | $3 | — | $3 | 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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROMINENCE HEALTH PLAN | 123 | $712K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY, | 188 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY, | 188 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY, | 188 | $89K |
| Short-term disability | AFLAC | 69 | $27K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY, | 188 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.