| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $52K | $0 | $52K | 1.34% |
| DAVID MANZI3 | 2881 SOUTH VALLEY VIEW BOULEVARD SUITE 8 LAS VEGAS, NV 89102 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $20K | $0 | $20K | 0.51% |
| BRUNO MARK3 | 2881 SOUTH VALLEY VIEW BOULEVARD SUITE 8 LAS VEGAS, NV 89128 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $20K | $0 | $20K | 0.51% |
| ELENA CARRILLO3 | 8925 BRAIDED YARN AVENUE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $8K | 5.13% |
| DAVID MANZI3 | 2881 SOUTH VALLEY VIEW BOULEVARD SUITE 8 LAS VEGAS, NV 89102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 4.25% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.07% |
| SANDRA STOKELY3 | 4650 RANCH HOUSE ROAD, UNIT 107 NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $183 | $3K | 1.97% |
| KATERINA MARTINEZ3 Filed as: KATERINA MARTINEZ AND OTHER AGENTS | 3800 DALECREST DRIVE, UNIT 2012 LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $449 | $2K | 1.48% |
| CATHERINE ANN CLAWSON3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.81% |
| 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 | 0.64% |
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 | 507 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 541 | $3.9M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $164K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $164K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 541 | $3.9M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.