| 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. | $55K | $101 | $55K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL S SARAZIN | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $3K | $38 | $3K | 9.04% |
| CHAD G LAYNE3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AFLAC | $454 | — | $454 | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST ST LAS VEGAS, NV 89183 | AFLAC | $420 | $9 | $429 | 1.48% |
| MOLOKAI MYLES HAND3 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $287 | — | $287 | 0.99% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $257 | $9 | $266 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $165 | — | $165 | 0.57% |
| DWAYNE R MARTINEZ3 | 597 W 475 N CLEARFIELD, UT 84015 | AFLAC | $144 | — | $144 | 0.50% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $111 | — | $111 | 0.38% |
| JENNIFER TAFOYA3 | 8955 TOMNITZ AVE LAS VEGAS, NV 89178 | AFLAC | $110 | — | $110 | 0.38% |
| SIMON B REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $69 | — | $69 | 0.24% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 1325 SHADOW GROVE RD ELKLAND, MO 65644 | AFLAC | $43 | — | $43 | 0.15% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $33 | — | $33 | 0.11% |
| BRANDON M JONES3 | 6863 TREBLE CLEF AVE LAS VEGAS, NV 89139 | AFLAC | $24 | — | $24 | 0.08% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $10 | — | $10 | 0.03% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $10 | — | $10 | 0.03% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $9 | — | $9 | 0.03% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $8 | — | $8 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAK, CA 95628 | AFLAC | $5 | — | $5 | 0.02% |
| COLLEEN LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $5 | — | $5 | 0.02% |
| TAMARA ANNE HINES3 Filed as: TAMARA ANNE WATSON | 10063 PARK MEADOWS DR APT 204 LONE TREE, CO 80124 | AFLAC | $5 | — | $5 | 0.02% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $5 | — | $5 | 0.02% |
| TRAVIS MOORE3 | 13445 STONEY BROOK DR RENO, NV 89511 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $1 | — | $1 | 0.00% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $550 | $128 | $678 | 7.37% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 260 | $1.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 260 | $1.2M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 260 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $9K |
| Short-term disability | AFLAC | 22 | $29K |
| Other(2 contracts, 2 carriers) | AFLAC | 215 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.