| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD, #150 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $87K | $38K | $125K | 5.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | GUARDIAN | $16K | — | $16K | 11.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | — | GUARDIAN | — | $5K | $5K | 3.81% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DR STE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $232 | $2K | 11.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLEY JOHNSON DR. LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $804 | $183 | $987 | 5.62% |
| DISTINCTIVE INSURANCE3 | 8375 W. FLAMINGO RD. LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | — | $718 | 4.09% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY PMB 362 HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 1.37% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.69% |
| DARCY COON3 | 1040 AVIATOR CT HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.18% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 333 | $2.2M |
| Dental | HEALTH PLAN OF NEVADA | 333 | $2.2M |
| Vision | HEALTH PLAN OF NEVADA | 333 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 166 | $156K |
| Short-term disability | GUARDIAN | 166 | $138K |
| Long-term disability | GUARDIAN | 166 | $138K |
| Prescription drug | HEALTH PLAN OF NEVADA | 333 | $2.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 166 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.