| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID MANZI3 | 2881 S VALLEY VIEW BLVD., STE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $43K | — | $43K | 0.99% |
| BRUNO MARK3 | 2881 S VALLEY VIEW BLVD., STE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $43K | — | $43K | 0.99% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.18% |
| DAVID MANZI3 | 2881 S VALLEY VIEW BLVD., STE 8 LAS VEGAS, NV 89102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 3.95% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1 | $2K | 1.31% |
| RENE ADRIAN RODRIGUEZ3 | 1814 E BELL RD UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $297 | $1K | 0.88% |
| KIMBERLY THOMAS3 | 7924 AMBER MIST ST LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $752 | $38 | $790 | 0.47% |
| H&C PLUS 3 LLC3 | PO BOX 90171 HENDERSON, NV 89009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | — | $656 | 0.39% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNARDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $20 | $459 | 0.27% |
| JENNIFER WELLER3 | 494 MAHOGANY RIDGE ST LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 0.23% |
| NICOLE BLANCHARD3 | 7352 N DECATUR BLVD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 0.23% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DR CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KERWIN VAUGHN BROWN | 7329 N 11TH ST PHOENIX, AZ 85020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.11% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.08% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.06% |
| LILIANA RIVERA3 | 25671 TONADILLA CIR MORENO VALLEY, CA 92551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.06% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $9 | $62 | 0.04% |
| SILVIA AGUILAR ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GENE ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| CECILIA ESCALANTE WOLFSON3 Filed as: CECILIA ESCALANTE WOLSON | 2701 N RAINBOW BLVD APT 1093 LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KRYSTAL LEIGH ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 92501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMIER ACCESS EIN 91-1857813 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | PO BOX 659020 SACRAMENTO, CA 95865 | $23K |
| MES VISION EIN 95-4354242 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | PO BOX 25209 SANTA ANA, CA 92799 | $5K |
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 | 514 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 736 | $4.3M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $168K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $168K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 736 | $4.3M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.