| 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 | 12.02% |
| 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 | $1K | — | $1K | 9.18% |
| 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 | $350 | — | $350 | 4.01% |
| BENEFITS SPECIALISTS OF NV LLC3 | 205 N STEPHANIE ST SUITE E HENDERSON, NV 89074 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 3.03% |
| MYRON JULIAN GENILLA3 | 10079 WILLOWBROOK POND RD LAS VEGAS, NV 89148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 1.03% |
| MICHAEL D PERNA3 | 289 FARRIS AVE STE B LAS VEGAS, NV 89183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 1.01% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.50% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 168 | $12K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE | 151 | $69K |
| Long-term disability | KANSAS CITY LIFE | 151 | $61K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE | 151 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.