| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY LAPHAM3 Filed as: NANCY NORTHROP | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | HEALTH PLAN OF NEVADA | $16K | — | $16K | 3.14% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $4K | $24K | 17.02% |
| VIP INSURANCE INC3 | 400 SOUTH RAMPART BOULEVARD SUITE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.32% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DRIVE LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $148 | $1K | 0.93% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | $129 | $1K | 0.77% |
| ROBERT JARA3 | 6526 BUSTER BROWN AVENUE UNIT 103 LAS VEGAS, NV 89122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $27 | $452 | 0.32% |
| 1 SOURCE INSURANCE GROUP3 | 3606 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | — | $360 | 0.26% |
| EDWARD MOSE THUROW3 | 4842 SANTA BARBARA STREET LAS VEGAS, NV 89121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $6 | $306 | 0.22% |
| LINDA WOODS3 | 9271 MARTEL AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $13 | $270 | 0.19% |
| SONIA KOWALEWSKI3 | 828 EAST FLAMINGO ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.14% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.13% |
| ALINA SEIBERT3 | 9133 CAMP LIGHT AVENUE #101 LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.03% |
| H&C PLUS 3 LLC3 | PO BOX 90171 HENDERSON, NV 89009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER'S FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| NANCY M NORTHROP3 | 2505 ANTHEM VILLAGE DRIVE #E105 HENDERSON, NV 89052 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.97% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 129 | $506K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $53K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $141K |
| Prescription drug | HEALTH PLAN OF NEVADA | 129 | $506K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.