| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLY JOHNSON DRIVE STE. 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $55K | $32K | $87K | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSUR. OF NEV. | 975 KELLY JOHNSON DRIVE STE. 100 LAS VEGAS, NV 89119 | GUARDIAN | $13K | $7K | $19K | 15.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 891193732 | PREMIER ACCESS DENTAL AND VISION | $4K | — | $4K | 3.42% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $68 | $3K | 8.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.86% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $833 | $281 | $1K | 3.25% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $19 | $568 | 1.66% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.30% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.10% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 29 SPRINGFIELD, OR 97477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| HARRY O AND LINDA J O'NEAL LIVING T3 | C/O BRENNON O'NEAL LAS VEGAS, NV 89183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARGARET BRYANT3 | 18014 SW BELLMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DR STE. 100 LAS VEGAS, NV 891193732 | VISION SERVICE PLAN | $1K | — | $1K | 4.74% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 350 | $1.7M |
| Dental | PREMIER ACCESS DENTAL AND VISION | 410 | $103K |
| Vision | VISION SERVICE PLAN | 201 | $25K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 302 | $155K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $34K |
| Long-term disability | GUARDIAN | 302 | $120K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 350 | $1.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 302 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.