| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $4K | $311 | $4K | 7.47% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $623 | $62 | $685 | 1.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DRIVE #100 LAS VEGAS, NV 89119 | AFLAC | $634 | — | $634 | 1.09% |
| SIMON REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $485 | — | $485 | 0.83% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $450 | — | $450 | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $381 | $62 | $443 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $127 | — | $127 | 0.22% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $92 | — | $92 | 0.16% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $86 | — | $86 | 0.15% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $84 | — | $84 | 0.14% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $63 | — | $63 | 0.11% |
| TERESA BLAKE3 | 3408 CANTURA BLUFF AVE NORTH LAS VEGAS, NV 89031 | AFLAC | $61 | — | $61 | 0.10% |
| LESLIE H SILTMAN3 Filed as: LESLIE SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $36 | — | $36 | 0.06% |
| SAUNDRA MORRIS3 | 9030 WEST SAHARA AVE STE 277 LAS VEGAS, NV 89117 | AFLAC | $14 | — | $14 | 0.02% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $13 | — | $13 | 0.02% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $8 | $4 | $12 | 0.02% |
| PATRICIA H SMITH3 Filed as: PATRICIA SMITH | 3220 N VIEW CREST DR TUCSON, AZ 85745 | AFLAC | $11 | — | $11 | 0.02% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 6738 N 79TH PL SCOTTSDALE, AZ 85250 | AFLAC | $8 | — | $8 | 0.01% |
| VICTORIA KAMMER3 | 5416 LA PATERA LN LAS VEGAS, NV 89149 | AFLAC | $2 | $4 | $6 | 0.01% |
| BEVERLY BECKSTEAD3 | 83 E GOLD BULLION WAY WASHINGTON, UT 84780 | AFLAC | $5 | — | $5 | 0.01% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.01% |
| COLLEN LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $3 | — | $3 | 0.01% |
| DAYTON RINEHART3 | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $2 | — | $2 | 0.00% |
| DIANNA KRZCIOK3 | 2682 GRAND FORKS RD HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.00% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W VIRGINIA ST STE 200 MCKINNEY, TX 75069 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.02% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | — | $268 | 4.24% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 4625 S POLARIS AVE STE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 2.70% |
| SIMON REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.68% |
| TAMMY SWAIN3 | 5463 S DURANGO DR STE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.19% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $116 | — | $116 | 6.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | AFLAC | $34 | — | $34 | 1.87% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 8545 SW 86TH TER OCALA, FL 34481 | AFLAC | $28 | — | $28 | 1.54% |
| SIMON REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $13 | — | $13 | 0.72% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $12 | — | $12 | 0.66% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $10 | — | $10 | 0.55% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $5 | — | $5 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $2 | — | $2 | 0.11% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 226 | $35K |
| Other(4 contracts, 3 carriers) | AFLAC | 226 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.