| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD 140 LAS VEGAS, NV 891178326 | HEALTH PLAN OF NEVADA | $458K | $471K | $929K | 3.44% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD 140 LAS VEGAS, NV 891178326 | PRINCIPAL LIFE INSURANCE COMPANY | $64K | — | $64K | 5.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFITS SERVICES | PO BOX 130 CEDAR CITY, UT 847210135 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.42% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD 140 LAS VEGAS, NV 891178326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | — | $27K | 6.59% |
| ACRIALPS LLC3 | C/O ACRIALPS LLC GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $4K | $22K | 5.44% |
| ANTHONY SCOTT HARRELL3 | 1452 W HORIZON RIDGE PKWY HENDERSON, NV 89012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 1.49% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN RD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $413 | $4K | 1.02% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $700 | $2K | 0.45% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS RD LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $700 | $2K | 0.45% |
| KARLA ALEXANDER3 | 3524 OBERON LN NORTH LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $73 | $2K | 0.40% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.35% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE INC | 11425 PERUGINO DR LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.35% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | — | $942 | 0.23% |
| DAVID PEPIN3 | 4176 STATE HWY M-35 ESCANABA, MI 49829 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | — | $904 | 0.22% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | $114 | $696 | 0.17% |
| JOAN RANCE3 | 434 CRESTWAY RD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | — | $652 | 0.16% |
| NICOLE BLANCHARD3 | 7352 N DECATUR BLVD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | — | $470 | 0.12% |
| LAURA LETICIA RENOVA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.04% |
| RYAN WARE3 | 11632 REGAL ROCK PL LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.04% |
| MEGAN WILSON3 | 7534 SLIPPER ORCHID ST LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $9 | $167 | 0.04% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.04% |
| RENE ADRIAN RODRIGUEZ3 | 1814 E BELL RD APT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.04% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 ALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.04% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.03% |
| ANDRES RAMIREZ3 | 7568 MISSION PALM ST LAS VEGAS, NV 89139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $2 | $99 | 0.02% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.02% |
| LINDA WOODS3 | 9271 MARTEL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.02% |
| EDWARD ALBERT GUY JR3 | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| SILVIA AGUILAR ALVISO3 Filed as: SILVIA AGUILAR ALVLSO | 1900 N TORREY PINES LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | 2,359 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 4,646 | $27.0M |
| Dental | HEALTH PLAN OF NEVADA | 4,646 | $27.0M |
| Vision | HEALTH PLAN OF NEVADA | 4,646 | $27.0M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 5,180 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 5,180 | $1.7M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 5,180 | $1.3M |
| Prescription drug | HEALTH PLAN OF NEVADA | 4,646 | $27.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.