| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L P INS SERVICES INC3 | 300 E 2ND ST RENO, NV 89501 | AETNA LIFE INSURANCE CO. | $54K | $121 | $55K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL S SARAZIN | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $1K | — | $1K | 4.34% |
| CHAD G LAYNE3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AFLAC | $715 | — | $715 | 2.18% |
| MOLOKAI MYLES HAND3 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $415 | — | $415 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $234 | — | $234 | 0.71% |
| JENNIFER TAFOYA3 | 8955 TOMNITZ AVE LAS VEGAS, NV 89178 | AFLAC | $179 | — | $179 | 0.54% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $175 | — | $175 | 0.53% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $160 | — | $160 | 0.49% |
| SIMON B REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $90 | — | $90 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST ST LAS VEGAS, NV 89183 | AFLAC | $88 | — | $88 | 0.27% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $64 | — | $64 | 0.19% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 1325 SHADOW GROVE RD ELKLAND, MO 65644 | AFLAC | $54 | — | $54 | 0.16% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $37 | — | $37 | 0.11% |
| BRANDON M JONES3 | 6863 TREBLE CLEF AVE LAS VEGAS, NV 89139 | AFLAC | $26 | — | $26 | 0.08% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $11 | — | $11 | 0.03% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $11 | — | $11 | 0.03% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $10 | — | $10 | 0.03% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $9 | — | $9 | 0.03% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $7 | — | $7 | 0.02% |
| COLLEEN LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $6 | — | $6 | 0.02% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAK, CA 95628 | AFLAC | $5 | — | $5 | 0.02% |
| TRAVIS MOORE3 | 13445 STONEY BROOK DR RENO, NV 89511 | AFLAC | $5 | — | $5 | 0.02% |
| TAMARA WATSON3 | 10063 PARK MEADOWS DR APT 204 LONE TREE, CO 80124 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $2 | — | $2 | 0.01% |
| AMY LUDWICK3 | 316 BARBATO LN SACRAMENTO, CA 95814 | AFLAC | $2 | — | $2 | 0.01% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 40.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $160 | $2K | 22.35% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 269 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 269 | $1.2M |
| Vision | AETNA LIFE INSURANCE CO. | 269 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $8K |
| Short-term disability | AFLAC | 30 | $33K |
| Other(2 contracts, 2 carriers) | AFLAC | 220 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.