| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HEALTH PLAN OF NEVADA | $48K | — | $48K | 4.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $70 | $16K | 9.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.01% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $196 | $3K | 10.51% |
| WESTLUND SOLUTIONS AND OTHER AGENTS3 | 8850 TOBIRA DRIVE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $37 | $262 | 0.80% |
| KARLA ALEXANDER3 | 3524 OBERON LANE N LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $9 | $197 | 0.60% |
| JENNIFER RENEE BLAIR3 | 3949 CARLA ANN RD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.40% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE INC | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.31% |
| CHERYL LYNN GAONA3 | 11912 KILLIAN ST EL MONTE, CA 91732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $6 | $71 | 0.22% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DR MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.19% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 137 | $977K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $172K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $172K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $205K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $172K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $172K |
| Prescription drug | HEALTH PLAN OF NEVADA | 137 | $977K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.