| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8311 WEST SUNSET ROAD, SUITE 120 LAS VEGAS, NV 89113 | HEALTH PLAN OF NEVADA | $24K | $7K | $31K | 5.25% |
| USI INSURANCE SERVICES LLC3 | 1120 NORTH TOWN CENTER DRIVE SUITE 240 LAS VEGAS, NV 89144 | AFLAC | $8K | $0 | $8K | 5.79% |
| JENNIFER TAFOYA3 Filed as: JENNIFER E. TAFOYA | 8955 TOMNITZ AVENUE LAS VEGAS, NV 89178 | AFLAC | $7K | $343 | $8K | 5.45% |
| WENDY DICKINSON AND OTHER AGENTS3 | 1400 COLORADO STREET, SUITE C BOULDER CITY, NV 89005 | AFLAC | $6K | $597 | $7K | 4.90% |
| STEVE D SERVI3 Filed as: STEVE D. SERVI | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $3K | $178 | $3K | 2.44% |
| CATHARINE A. PALACIOS3 | 4975 DUNEVILLE STREET APARTMENT 109 LAS VEGAS, NV 89118 | AFLAC | $1K | $204 | $2K | 1.12% |
| DANIEL TYLER ADAMSON3 | 405 SOUTH HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $1K | $103 | $1K | 1.03% |
| GERRIA KOHN3 | 7200 PIRATES COVE ROAD, UNIT 1080 LAS VEGAS, NV 89145 | AFLAC | $1K | $0 | $1K | 0.84% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 6.54% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 155 | $588K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $106K |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 158 | $694K |
| Life insurance | AFLAC | 163 | $143K |
| Short-term disability | AFLAC | 163 | $143K |
| Prescription drug | HEALTH PLAN OF NEVADA | 155 | $588K |
| Other(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 163 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.