| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ENZENBACHER3 | C/O KATIE MCLAREN 975 KELLY JOHNSON DR, STE 100 LAS VEGAS, NV 89119 | KANSAS CITY LIFE | $7K | — | $7K | 11.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR. STE 100 LAS VEGAS, NV 89119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $865 | — | $865 | 4.43% |
| BENEFITS SPECIALISTS OF NV LLC3 | 205 N STEPHANIE ST SUITE E HENDERSON, NV 89074 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $733 | — | $733 | 3.75% |
| MICHAEL D PERNA3 | 289 FARRIS AVE STE B LAS VEGAS, NV 89183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 1.22% |
| MYRON JULIAN GENILLA3 | 3357 ANTIQUE ROSE LAS VEGAS, NV 89135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 1.09% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.51% |
| AK VARGASON & ASSOCIATES3 | 13382 SW MACBETH DRIVE TIGARD, OR 97224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.34% |
| BARRETT INSURANCE SERVICES LLC3 | 8945 WEST RUSSELL RD LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.98% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.61% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.24% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21 | $20K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE | 177 | $80K |
| Long-term disability | KANSAS CITY LIFE | 177 | $60K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE | 177 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
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.