| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $85K | $30K | $115K | 6.69% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 8.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLEY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $10K | 8.23% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $195 | $4K | 3.13% |
| DEALER PROTECTION GROUP3 | 8659 RESEARCH DR STE 100 IRVINE, CA 92618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.14% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $546 | $2K | 2.10% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $855 | $833 | $2K | 1.43% |
| AMI JEANETTE LANE3 | 5631 BOLTON VALLEY DR LAS VEGAS, NV 89122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | — | $711 | 0.60% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | — | $433 | 0.37% |
| HUGO GUZMAN3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.10% |
| ALIDA J REJON3 | 2501 S OCEAN DR HOLLYWOOD, FL 33019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.06% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| NICOLE BLANCHARD3 | 7352 N DECATUR BLVD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $289 | $578 | 1.08% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 0.70% |
| PROSESSION INC3 | 950 UNIVERSITY PARK LOOP N RENO, NV 89512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $115 | $328 | 0.61% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.18% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 263 | $1.7M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 263 | $1.7M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $118K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 263 | $1.7M |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.