| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID MANZI3 Filed as: DAVID M. MANZI | 2881 SOUTH VALLEY VIEW BOULEVARD SUITE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $41K | $0 | $41K | 1.00% |
| B MARK3 Filed as: MARK BRUNO | 2881 SOUTH VALLEY VIEW BOULEVARD SUITE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $41K | $0 | $41K | 1.00% |
| DAVID MANZI3 | 2881 SOUTH VALLEY VIEW BOULEVARD SUITE 8 LAS VEGAS, NV 89102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 3.99% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.57% |
| CATHERINE ANN CLAWSON3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.04% |
| MJ INSURANCE3 Filed as: LAREN E. MILNER AND VARIOUS AGENTS | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $312 | $2K | 1.01% |
| OMEGA FINANCIAL AND INS. SOLUTIONS3 Filed as: OMEGA FINANCIAL & INS. SOLUTIONS | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.88% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNARDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | $18 | $481 | 0.29% |
| NICOLE BLANCHARD3 | 7352 NORTH DECATUR BOULEVARD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 0.20% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 679 | $4.1M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $163K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $163K |
| Prescription drug | HEALTH PLAN OF NEVADA | 679 | $4.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.