| 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 | $15K | — | $15K | 2.77% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $15K | 14.52% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $262 | $2K | 1.61% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DRIVE LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $874 | — | $874 | 0.87% |
| YVONNE COCHRAN3 | 12168 EDGEHURST COURT LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | — | $383 | 0.38% |
| HILDA M REYNA-VALDEZ3 | 4273 HONEYCOMB DRIVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | — | $258 | 0.26% |
| 1 SOURCE INSURANCE GROUP3 | 3606 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 0.25% |
| KARLA HINE3 | 4045 SOUTH SPENCER STREET LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.15% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.11% |
| CHRISTIAN RUIZ3 | 3741 SEAFORTH STREET LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $2 | $47 | 0.05% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| H&C PLUS 3 LLC3 | PO BOX 90171 HENDERSON, NV 89009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER'S FRY FORT MILLS, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| KARLA DANIELA MORENO3 | 5903 HONEYSUCKLE RIDGE STREET LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| NANCY M NORTHROP3 | 2505 ANTHEM VILLAGE DRIVE #E105 HENDERSON, NV 89052 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 125 | $558K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $48K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $48K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $101K |
| Prescription drug | HEALTH PLAN OF NEVADA | 125 | $558K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.