| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREY INSURANCE AND BENEFITS3 | — | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | $47K | — | $47K | 4.00% |
| FREY INSURANCE AND BENEFITS3 | 4775 W TECO AVE STE 225 LAS VEGAS, NV 891184357 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $3K | $16K | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST ST LAS VEGAS, NV 89183 | AFLAC | $8K | $91 | $8K | 20.67% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $784 | $21 | $805 | 2.04% |
| DWAYNE R MARTINEZ3 | 597 W 475 N CLEARFIELD, UT 84015 | AFLAC | $239 | — | $239 | 0.60% |
| EVE JONES3 Filed as: EVE JONES LLC | 2854 GEARY PL UNIT 3801 LAS VEGAS, NV 89109 | AFLAC | $193 | — | $193 | 0.49% |
| TOM LY3 Filed as: TOM HONG LY | 21347 CYPRESS CONIFER DR CYPRESS, TX 77433 | AFLAC | $107 | — | $107 | 0.27% |
| LANA NICHOLS PADILLA3 | 1094 KABUKI AVE HENDERSON, NV 89074 | AFLAC | $91 | — | $91 | 0.23% |
| EVE JONES3 | 2854 GEARY PL UNIT 3801 LAS VEGAS, NV 89109 | AFLAC | $68 | — | $68 | 0.17% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $58 | — | $58 | 0.15% |
| QUINTON J MILES3 | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $48 | — | $48 | 0.12% |
| LARRY W NICHOLSON3 | 130 N SHELMORE BLVD MT PLEASANT, SC 29464 | AFLAC | $46 | — | $46 | 0.12% |
| ALICE RYAN STRIBLING3 Filed as: ALICE YOUNG | 1489 W WARM SPRINGS RD STE 110 UNIT 230 HENDERSON, NV 89014 | AFLAC | $45 | — | $45 | 0.11% |
| NANCY NELSON3 Filed as: NANCY A NELSON | 10625 MOON FLOWER ARBOR PL LAS VEGAS, NV 89144 | AFLAC | $38 | — | $38 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $18 | — | $18 | 0.05% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $8 | — | $8 | 0.02% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $4 | — | $4 | 0.01% |
| JOI D JONES3 | 7500 W LAKE MEAD BLVD C9320 LAS VEGAS, NV 89128 | AFLAC | $3 | — | $3 | 0.01% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $2 | — | $2 | 0.01% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.00% |
| SIMON B REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.00% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | 208 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $210K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $210K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $210K |
| Short-term disability | AFLAC | 39 | $40K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $210K |
| Prescription drug | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | 208 | $1.2M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.