| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $37K | $16K | $53K | 5.46% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $465 | $3K | 17.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLEY JOHNSON DR. LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $159 | $2K | 9.76% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.58% |
| LEEDS & YORK LLC3 | 9121 W RUSSELL RD LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.41% |
| PATTI A VINCENT3 Filed as: PATTI JO BAKER | 11020 CALDER AVENUE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.39% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.28% |
| MARIA ROSALES3 | 7001 W CHARLESTON BLVD 1050 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DR LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MELINDA S. MILLER3 Filed as: MELINDA S MILLER | 8841 IMPERIAL FOREST ST LAS VEGAS, NV 89139 | AFLAC | $2K | — | $2K | 10.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST ST LAS VEGAS, NV 89183 | AFLAC | $529 | — | $529 | 3.62% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $278 | — | $278 | 1.90% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $176 | — | $176 | 1.20% |
| SIMON B REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $53 | — | $53 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $17 | — | $17 | 0.12% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $7 | — | $7 | 0.05% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $7 | — | $7 | 0.05% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 89118 | AFLAC | $5 | — | $5 | 0.03% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 147 | $969K |
| Dental | HEALTH PLAN OF NEVADA | 147 | $969K |
| Vision | HEALTH PLAN OF NEVADA | 147 | $969K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $32K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $32K |
| Prescription drug | HEALTH PLAN OF NEVADA | 147 | $969K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.