| 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 89119 | HEALTH PLAN OF NEVADA | $116K | $45K | $161K | 6.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN NEVADA | 8337 W SUNSET RD STE 1500 LAS VEGAS, NV 89113 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 3.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | GUARDIAN | $20K | $6K | $27K | 13.34% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | GUARDIAN | $10K | — | $10K | 5.00% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DR STE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $338 | $9K | 20.94% |
| BROWN & BROWN INSURANCE SERVICES3 | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $608 | $3K | 7.32% |
| DISTINCTIVE INSURANCE3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | — | $475 | 1.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | — | $449 | 0.99% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE | 18 STONEMARK DR HENDERSON, NC 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.18% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY PMB 362 HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.16% |
| DARCY COON3 | 1040 AVIATOR CT HENDERSON, NC 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| K SCHILLING CONSULTING LLC3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD. SUITE 150 LAS VEGAS, NV 89113 | LEGALPLANS, USA | $737 | — | $737 | 15.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 417 | $3.1M |
| Dental | HEALTH PLAN OF NEVADA | 417 | $2.6M |
| Vision | HEALTH PLAN OF NEVADA | 417 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 273 | $245K |
| Short-term disability | GUARDIAN | 273 | $200K |
| Long-term disability | GUARDIAN | 273 | $200K |
| Prescription drug | HEALTH PLAN OF NEVADA | 417 | $2.6M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 273 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.