| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSON, STEPHEN3 | PO BOX 10046 RENO, NV 895100046 | HEALTH PLAN OF NEVADA / SIERRA HEALTH LIFE | $134K | — | $134K | 4.48% |
| LOCKTON COMPANIES, LLC3 Filed as: DENVER SERVICES OF LOCKTON CO | PO BOX 173850 DEPT 999228 DENVER, CO 802173850 | HEALTH PLAN OF NEVADA / SIERRA HEALTH LIFE | $51K | — | $51K | 1.71% |
| STEPHEN WILSON3 | PO BOX 10046 RENO, NV 895100046 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 5.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DEPT 999228 DENVER, CO 802173850 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $87 | $7K | 1.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $924 | $924 | 0.21% |
| ACRIALPS LLC3 | C/O ACRIALPS LLC GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $7K | $33K | 22.27% |
| BRIAN WHITE3 Filed as: BRIAN E KROK | 104 CAPETOWN CT UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $639 | $2K | 1.65% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $847 | $260 | $1K | 0.75% |
| MEGAN WILSON3 | 7534 SLIPPER ORCHID STREET LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $171 | $898 | 0.61% |
| CHELSEA L WARE LLC3 | C/O LASSITER WARE INC GRAND RAPIDS, MA 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | — | $885 | 0.60% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN RD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | $183 | $733 | 0.50% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND BENEFIT SOLUTIONS LLC | 8850 TOBIRA DRIVE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $703 | — | $703 | 0.48% |
| SHANNON SPEARS3 | 363 WINDERMERE BLVD UNIT 116 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $10 | $381 | 0.26% |
| JENNIFER JEAN MOYA3 | 24548 VIA LAS LADERAS MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $27 | $330 | 0.22% |
| DONNA MARIE MCCANN3 | 8785 KIOWA TRAIL KISSIMMEE, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 0.16% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK MICHAEL SORRENTINO | 104 STOCKTON KINGS COURT LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $23 | $224 | 0.15% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER'S FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $39 | $215 | 0.15% |
| CINDY V SHIELDS3 Filed as: CINDY PAMELA REYES-MEDINA | 2617 RIALTO RD LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $25 | $160 | 0.11% |
| LOYDA VALDEZ3 | 1511 CARDINAL PEAK LN LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $14 | $131 | 0.09% |
| ALEXANDRA DIANE SORRENTINO3 | 3055 RED SPRINGS DR LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $34 | $130 | 0.09% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $23 | $122 | 0.08% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM BILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.07% |
| SEAN MICHAEL STORY3 Filed as: SEAN STORY | 14148 MAHOGANY AVE JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $27 | $89 | 0.06% |
| MICHELLE LISA FREDRICKSON3 | 9456 VICTORY GARDEN AVE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $4 | $88 | 0.06% |
| KENNIE SMITH3 | 5410 HOMBERG DR KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $53 | $84 | 0.06% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DRIVE MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $19 | $82 | 0.06% |
| STACI MARIE FERRARIS3 | 28912 GLEN ROCK PLACE HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $4 | $78 | 0.05% |
| IRINA SARDARYAN3 Filed as: IRINA KAGANOVSKY-GREEN | 2512 DORNOCH LN HENDERSON, NV 89044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.05% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.05% |
| JENNIFER WELLER3 | 494 MAHOGANY RIDGE ST LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.05% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.04% |
| SHARONA ABADI3 | 1835 NE MIAMI GARDENS DRIVE NORTH MIAMI BEACK, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.04% |
| CHERYL JONETTE GAILEY3 | 57 CHRYSANTHEMUM DRIVE ORMOND BEACH, FL 32174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.04% |
| STEVEN B POLK INC3 | 4345 N DAPPLE GRAY RD LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| KARLA ALEXANDER3 | 1612 EAGLE PEAK WAY LAS VEGAS, NV 89134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOUR INC | 2497 CITRUS GARDEN CIRCLE HEENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| TAMMY VAN HOUTEN-THOMPSON3 | 8693 TARA HILL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| RYAN WARE3 | 9621 CANYON MESA DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK MICHAEL SORRENTINO | 9814 OVERLOOK RIDGE AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 Filed as: OMEGA FINANCIAL AND INSURANCE SOLTU | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| VINCENT A LLAUGER3 | 9814 OVERLOOK RIDGE AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| ALICIA ANNE LAWRENCE3 | 8643 LORETTA BAY STREET LAS VEGAS, NV 89178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| CHRISTINA D POLK INC3 | 8972 ECHO RIDGE DR LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BUILDING BLOCKS FOR BUSINESS LLC3 | 10845 GRIFFITH PEAK DR LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA / SIERRA HEALTH LIFE | 530 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $431K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $431K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $578K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $431K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $431K |
| Prescription drug | HEALTH PLAN OF NEVADA / SIERRA HEALTH LIFE | 530 | $3.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.