| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREY INSURANCE AND BENEFITS3 | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $62K | $19K | $82K | 5.14% |
| FREY INSURANCE AND BENEFITS3 | 4775 W TECO AVE STE 225 LAS VEGAS, NV 891184357 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $6K | $46K | 17.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST ST LAS VEGAS, NV 89183 | AFLAC | $9K | $425 | $9K | 19.28% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $624 | $18 | $642 | 1.37% |
| KD COUGHLIN AND ASSOC INS SVC PRO3 | 1400 SUN COPPER DR LAS VEGAS, NV 89117 | AFLAC | $346 | $62 | $408 | 0.87% |
| DWAYNE MARTINEZ3 | 3329 FENNEL RD NE RIO RANCHO, NM 87144 | AFLAC | $198 | — | $198 | 0.42% |
| EVE JONES3 | 2854 GEARY PL UNIT 3801 LAS VEGAS, NV 89109 | AFLAC | $131 | — | $131 | 0.28% |
| ALICE RYAN STRIBLING3 Filed as: ALICE YOUNG | 6127 S RAINBOW BLVD LAS VEGAS, NV 89118 | AFLAC | $45 | — | $45 | 0.10% |
| NANCY NELSON3 | 10625 MOON FLOWER ARBOR PL LAS VEGAS, NV 89144 | AFLAC | $38 | — | $38 | 0.08% |
| TOM LY3 | 21347 CYPRESS CONIFER DR CYPRESS, TX 77433 | AFLAC | $32 | — | $32 | 0.07% |
| LANA NICHOLS PADILLA3 Filed as: LANA PADILLA | 6644 GARFIELD AVE CASS CITY, MI 48726 | AFLAC | $30 | — | $30 | 0.06% |
| QUINTON J MILES3 Filed as: QUINTON MILES | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $29 | — | $29 | 0.06% |
| LARRY NICHOLSON3 | 1341 WALES DR FORT MYERS, FL 33901 | AFLAC | $28 | — | $28 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $11 | — | $11 | 0.02% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $3 | — | $3 | 0.01% |
| JOI JONES3 | 7500 W LAKE MEAD BLVD C9320 LAS VEGAS, NV 89128 | AFLAC | $3 | — | $3 | 0.01% |
| JENNIFER TAFOYA3 | 8955 TOMNITZ AVE LAS VEGAS, NV 89178 | AFLAC | $3 | — | $3 | 0.01% |
| COLLEEN LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $2 | — | $2 | 0.00% |
| DIANN KRZCIOK3 | 17295 SHARON RD CHESANING, MI 48616 | AFLAC | $1 | — | $1 | 0.00% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI 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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 276 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $264K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $264K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $264K |
| Short-term disability | AFLAC | 37 | $47K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $264K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 276 | $1.6M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.