| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HEALTH PLAN OF NEVADA | $144K | $0 | $144K | 4.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $70 | $41K | 9.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $130 | $130 | 0.03% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $10K | $53K | 28.28% |
| BRIGATA LLC3 Filed as: BRIGATA, LLC AND OTHER AGENTS | 104 CAPETOWN COURT, UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $732 | $6K | 3.13% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL, SUITE F188 CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $626 | $3K | 1.41% |
| CINDY V SHIELDS3 Filed as: CINDY PAMELA REYES-MEDINA | 2617 RIALTO ROAD LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $36 | $2K | 1.16% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE LLC | 233 WEST 21ST STREET NEW YORK, NY 10011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.76% |
| LOYDA VALDEZ3 | 546 SOUTH 400 EAST IVINS, UT 84738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 0.60% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | $123 | $897 | 0.48% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 613 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $444K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $444K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $633K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $444K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $444K |
| Prescription drug | HEALTH PLAN OF NEVADA | 613 | $3.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.