| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HEALTH PLAN OF NEVADA | $152K | $0 | $152K | 4.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPARTMENT 999228 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $129 | $44K | 7.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $128 | $128 | 0.02% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | $9K | $47K | 20.73% |
| JENNIFER JEAN MOYA3 Filed as: JENNIFER JEAN MOYA AND OTHER AGENTS | 24548 VIA LAS LADERAS MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $585 | $8K | 3.38% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN ROAD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $530 | $3K | 1.13% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE, INC. | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.59% |
| MADISEN LYNN GERZ3 | 3534 GWYNELLE COURT SPARKS, NV 89431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $847 | $388 | $1K | 0.54% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $643 | $844 | 0.37% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DRIVE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $642 | $843 | 0.37% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 641 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $601K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $601K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $830K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $601K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $601K |
| Prescription drug | HEALTH PLAN OF NEVADA | 641 | $3.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.