| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8311 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA | $26K | $11K | $37K | 4.21% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 10.04% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $727 | $727 | 1.24% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $904 | $5K | 21.88% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHRA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $112 | $3K | 12.67% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVENUE, APARTMENT A SAN MATEO, CA 94402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $601 | $21 | $622 | 2.93% |
| CHELSEA LYNNE WARE3 Filed as: CHELSEA L WARE LLC AND OTHER AGENTS | 233 WEST 21ST STREET NEW YORK, NY 10011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $460 | $28 | $488 | 2.30% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN ROAD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $83 | $349 | 1.64% |
| CHRISTINE MARIE MCKINNIS3 | 832 BIG VALLEY ROAD GARDNERVILLE, NV 89410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $10 | $221 | 1.04% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE, INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $52 | $217 | 1.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $603 | $0 | $603 | 10.63% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 100 | $884K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $58K |
| Vision | VISION SERVICE PLAN | 85 | $6K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $58K |
| Prescription drug | HEALTH PLAN OF NEVADA | 100 | $884K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.