| 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 | $6K | — | $6K | 10.30% |
| 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 | $560 | — | $560 | 5.02% |
| BENEFITS SPECIALISTS OF NV LLC3 | 205 N STEPHANIE ST SUITE E HENDERSON, NV 89074 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | — | $379 | 3.40% |
| MYRON JULIAN GENILLA3 | 10079 WILLOWBROOK POND RD LAS VEGAS, NV 89148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | — | $214 | 1.92% |
| MICHAEL D PERNA3 | 289 FARRIS AVE STE B LAS VEGAS, NV 89183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 1.13% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE - LAS VEGAS | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | EYEMED VISION CARE | $356 | — | $356 | 9.99% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 81 | $4K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE | 148 | $68K |
| Long-term disability | KANSAS CITY LIFE | 148 | $57K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE | 148 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.