| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY LAPHAM3 Filed as: NANCY NORTHROP | — | HEALTH PLAN OF NEVADA | $21K | — | $21K | 3.00% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE SUITE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 16.36% |
| VIP INSURANCE INC3 | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.12% |
| MARIA ROSALES3 | 7999 BLUE BROOK DRIVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.11% |
| 1 SOURCE INSURANCE GROUP3 | 3606 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.07% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NY 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| LAURA LETICIA RENOVA3 | 756 LAS DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DRIVE RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NANCY M NORTHROP3 | 2505 ANTHEM VILLAGE DRIVE #E105 HENDERSON, NV 89052 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 117 | $694K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $57K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $57K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $107K |
| Prescription drug | HEALTH PLAN OF NEVADA | 117 | $694K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.