| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | HEALTH PLAN OF NEVADA | $124K | $47K | $172K | 6.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 4.79% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 4.71% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 4.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 4.97% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 Filed as: CENTRAL AUTOMOTIVE UNDERWRITERS NV | PO BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 4.88% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.90% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 6.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.91% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.83% |
| BROWN & BROWN INSURANCE SERVICES3 | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 15.57% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.61% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.77% |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 471 | $3.2M |
| Dental | HEALTH PLAN OF NEVADA | 471 | $2.7M |
| Vision | HEALTH PLAN OF NEVADA | 471 | $2.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 449 | $65K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 449 | $493K |
| Long-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 449 | $493K |
| Prescription drug | HEALTH PLAN OF NEVADA | 471 | $2.7M |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 449 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.