| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: HARRIS INSUANCE SERVICES, INC. | 5850 POLARIS STREET LAS VEGAS, NV 89118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.18% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $521 | $1K | 7.76% |
| ISABEL RAMONA BILLINGS3 Filed as: ISABEL RAMONA BILLINGS AND VARIOUS | 5405 EVERGEEN AVENUE LAS VEGAS, NV 89107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $579 | $55 | $634 | 4.54% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 Filed as: OMEGA FINANCIAL SOLUTIONS | 4663 CREEPING FIT COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $289 | $601 | 4.30% |
| MARIA C GONZALEZ3 Filed as: MARIA C. GONZALEZ | 11677 SANDPIPER COURT MORENO VALLEY, CA 92557 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $51 | $380 | 2.72% |
| ELIZABETH KENT3 | 6553 CHIMES TOWER AVENUE LAS VEGAS, NV 89139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $43 | $356 | 2.55% |
| KIMBERLY THOMAS3 | 7924 AMBER MIST STREET LAS VEGAS, NV 89131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $91 | $243 | 1.74% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $14K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.