| 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 | $25K | $10K | $35K | 4.30% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 9.88% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 1.65% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $275 | $2K | 13.92% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE LAS VEGAS, NV 89117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $62 | $1K | 11.43% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE, INC. & AGENTS | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $336 | $36 | $372 | 3.21% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL, SUITE F188 CARLSBAD, CA 92008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $53 | $230 | 1.98% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DRIVE LAS VEGAS, NV 89144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $58 | $105 | 0.91% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $58 | $105 | 0.91% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVENUE APARTMENT A SAN MATEO, CA 94402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $500 | $0 | $500 | 9.43% |
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 | 76 | 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) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 87 | $813K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $65K |
| Vision | VISION SERVICE PLAN | 75 | $5K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $65K |
| Prescription drug | HEALTH PLAN OF NEVADA | 87 | $813K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.