| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTBROOK BENEFITS INC3 Filed as: WESTBROOK BENEFITS, INC. | 1313 WOODMORE STREET LAS VEGAS, NV 89144 | AFLAC | $5K | $335 | $5K | 6.82% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | AFLAC | $3K | — | $3K | 4.18% |
| TOM LEE KOCH3 | 695 ORCHARD COURSE DRIVE LAS VEGAS, NV 89148 | AFLAC | $1K | $73 | $1K | 2.03% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 1400 SUN COPPER DRIVE LAS VEGAS, NV 89117 | AFLAC | $808 | $73 | $881 | 1.22% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN AND OTHER AGENTS | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $792 | $0 | $792 | 1.10% |
| MARTIN J LEWIS3 Filed as: MARTIN J. LEWIS | 7503 INWOOD DRIVE HOUSTON, TX 77063 | AFLAC | $481 | $0 | $481 | 0.67% |
| ARBOR CONSULTING INC3 Filed as: ARBOR CONSULTING, INC. | 1313 WOODMORE STREET LAS VEGAS, NV 89144 | AFLAC | $376 | $20 | $396 | 0.55% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 132 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.