| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLEY JOHNSON DRIVE LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $45K | $19K | $64K | 6.34% |
| NORTHROP AND ASSOCIATES3 | 2505 ANHTEM VILLAGE DRIVE SUITE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $344 | $3K | 10.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLEY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $593 | $2K | 7.80% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE, INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.47% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.30% |
| MELINDA S. MILLER3 | 8841 IMPERIAL FOREST STREET LAS VEGAS, NV 89139 | AFLAC | $707 | $61 | $768 | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 10617 WILDHURST STREET LAS VEGAS, NV 89183 | AFLAC | $372 | $14 | $386 | 2.38% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE R. MARTINEZ | 597 WEST 475 NORTH CLEARFIELD, UT 84015 | AFLAC | $274 | $0 | $274 | 1.69% |
| SIMON B REYES3 Filed as: SIMON B. REYES | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | AFLAC | $66 | $0 | $66 | 0.41% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE R. MARTINEZ | 32937 BONITA MESA STREET TEMECULA, CA 92592 | AFLAC | $61 | $0 | $61 | 0.38% |
| MJ INSURANCE3 Filed as: DANIEL A. JAIME AND VARIOUS AGENTS | 1150 GUSTINE STREET CHULA VISTA, CA 91913 | AFLAC | $60 | $0 | $60 | 0.37% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | AFLAC | $39 | $14 | $53 | 0.33% |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 136 | $1.0M |
| Dental | HEALTH PLAN OF NEVADA | 136 | $1.0M |
| Vision | HEALTH PLAN OF NEVADA | 136 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $44K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $44K |
| Prescription drug | HEALTH PLAN OF NEVADA | 136 | $1.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.