| 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 | 3.26% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $3K | $19K | 15.81% |
| LINDA WOODS3 | 9271 MARTEL AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $893 | $122 | $1K | 0.83% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DRIVE LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $927 | — | $927 | 0.76% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $792 | $26 | $818 | 0.67% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | $20 | $696 | 0.57% |
| KARLA HINE3 | 4045 SOUTH SPENCER STREET LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 0.28% |
| 1 SOURCE INSURANCE GROUP3 | 3606 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 0.19% |
| YVONNE COCHRAN3 | 12168 EDGEHURST COURT LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.12% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.06% |
| HILDA M REYNA-VALDEZ3 | 4273 HONEYCOMB DRIVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.04% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER'S FRY FORT MILLS, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| H&C PLUS 3 LLC3 | PO BOX 90171 HENDERSON, NV 89009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DRIVE RENO, NV 89521 | 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 | 10.06% |
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 | 133 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 67 | $505K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $45K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $45K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $122K |
| Prescription drug | HEALTH PLAN OF NEVADA | 67 | $505K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.