| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LTD | — | HEALTH PLAN OF NEVADA | $42K | $26K | $68K | 4.85% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LTD | 5740 ARVILLE ST STE 204 LAS VEGAS, NV 89118 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL S SARAZIN | 11017 SUMMER QUAIL AVENUE LAS VEGAS, NV 89144 | AFLAC | $10K | $88 | $10K | 13.94% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 3728 SHADOW TREE ST N LAS VEGAS, NV 89032 | AFLAC | $1K | $18 | $1K | 1.74% |
| STEVE D SERVI3 | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $912 | — | $912 | 1.30% |
| HELEN MENDEZ3 Filed as: HELEN L MENDEZ | 6127 SOUTH RAINBOW BOULEVARD STE 110 LAS VEGAS, NV 89118 | AFLAC | $635 | $14 | $649 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 1150 GUSTINE STREET CHULA VISTA, CA 91913 | AFLAC | $606 | $20 | $626 | 0.89% |
| DWAYNE R MARTINEZ3 | 3095 EAST PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $577 | $6 | $583 | 0.83% |
| JENNIFER TAFOYA3 Filed as: JENNIFER E TAFOYA | 8955 TOMNITZ AVENUE LAS VEGAS, NV 89178 | AFLAC | $349 | — | $349 | 0.50% |
| MOLOKAI MYLES HAND3 | 1409 SOUTH LAMAR STREET APPARTMENT 716 DALLAS, TX 75215 | AFLAC | $346 | — | $346 | 0.49% |
| SIMON B REYES3 | 4625 POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $314 | — | $314 | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 EAST PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $268 | $6 | $274 | 0.39% |
| LESTER RAY BLACKSHEAR3 | 9192 SOUTHEEAST 168TH COOK PLACE THE VILLAGES, FL 32162 | AFLAC | $166 | — | $166 | 0.24% |
| BRANDON M JONES3 | 6863 TREBLE CLEF AVENUE LAS VEGAS, NV 89139 | AFLAC | $134 | — | $134 | 0.19% |
| MELINDA S. MILLER3 Filed as: MELINDA S MILLER | 9310 PINARELLO STREET LAS VEGAS, NV 89178 | AFLAC | $95 | $32 | $127 | 0.18% |
| TODD BURKE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $122 | — | $122 | 0.17% |
| MITZY COOPER3 Filed as: MITZY J COOPER | 9301 MOUNT BRET AVENUE UNIT 103 LAS VEGAS, NV 89129 | AFLAC | $67 | — | $67 | 0.10% |
| ERIN RADA3 Filed as: ERIN K RADA | 7911 KLEINGREEN LANE SPRING, TX 77379 | AFLAC | $45 | $3 | $48 | 0.07% |
| ERIN RADA3 Filed as: ERIN K RADA | 3589 BRITTLEWOOD AVENUE LAS VEGAS, NV 89120 | AFLAC | $47 | — | $47 | 0.07% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVENUE LAS VEGAS, NV 89166 | AFLAC | $45 | — | $45 | 0.06% |
| TOM KOCH3 Filed as: TOM L KOCH | 1800 NOTHEAST 48TH COURT FT LAUDERDALE, FL 33308 | AFLAC | $35 | — | $35 | 0.05% |
| NANETTE STARK3 | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $33 | — | $33 | 0.05% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $25 | — | $25 | 0.04% |
| JENNIFER C BOREK3 | 3095 EAST PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $17 | — | $17 | 0.02% |
| DEBRA CARDELLA3 Filed as: DEBRA L CARDELLA | 5125 WEST OQUENDO ROAD SUITE 10 LAS VEGAS, NV 89118 | AFLAC | $16 | — | $16 | 0.02% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $15 | — | $15 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 SOUTH WASATCH BLVD SANDY, UT 84092 | AFLAC | $14 | — | $14 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES ROAD DRUMMONDS, TN 38023 | AFLAC | $14 | — | $14 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 SOUTH WASATCH BOULEVARD SANDY, UT 84092 | AFLAC | $14 | — | $14 | 0.02% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $14 | — | $14 | 0.02% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $13 | — | $13 | 0.02% |
| YVETTE ADRIANA ROSALES3 | 6127 SOUTH RAINBOW BOULEVARD LAS VEGAS, NV 89118 | AFLAC | $11 | — | $11 | 0.02% |
| DAVID M COUGHLIN3 | 10160 BRISTOL DRIVE RANCHO CUCAMONGA, CA 91737 | AFLAC | $11 | — | $11 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $11 | — | $11 | 0.02% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANINI AVENUE HENDERSON, NV 89052 | AFLAC | $8 | — | $8 | 0.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | AFLAC | $8 | — | $8 | 0.01% |
| ELIZABETH SHOEBOOT3 Filed as: ELIZABETH A SHOEBOOT | 1300 SOUTH ARLINGTON STREET APPARTMENT 114 LAS VEGAS, NV 89104 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN G JAEGGI3 | 15607 WEST LILLI WAY VAN NUYS, CA 91406 | AFLAC | $6 | — | $6 | 0.01% |
| DANIEL D NELSON3 | 8753 EAST BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | AFLAC | $6 | — | $6 | 0.01% |
| DAYTON RINEHART3 Filed as: DAYTON R RHINEHART | 608 GRIMES ROAD DRUMMONDS, TN 38023 | AFLAC | $4 | — | $4 | 0.01% |
| DANEEN STAGLIANO3 | 512 SHAKESPEARE DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $3 | — | $3 | 0.00% |
| WILLAIM B KRZCIOK3 | 2760 FORT MEYER AVENUE HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LTD | 5740 ARVILLE ST STE 204 LAS VEGAS, NV 89118 | VISION SERVICE PLAN | $1K | — | $1K | 4.95% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 252 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $165K |
| Vision | VISION SERVICE PLAN | 212 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $165K |
| Short-term disability | AFLAC | 104 | $70K |
| Prescription drug | HEALTH PLAN OF NEVADA | 252 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.