| 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 & LIFE | $28K | $15K | $42K | 5.20% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NC 89123 | COLONIAL LIFE & ACCIDENT COMPANY | $3K | $137 | $3K | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLY JOHNSON DR STE. 100 LAS VEGAS, NV 891193732 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | — | $2K | 3.89% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT COMPANY | $729 | $14 | $743 | 1.35% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT COMPANY | $612 | $113 | $725 | 1.32% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT COMPANY | $590 | — | $590 | 1.07% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT COMPANY | $520 | — | $520 | 0.94% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT COMPANY | $153 | $6 | $159 | 0.29% |
| GERALDINE RAE LEE3 | 951 SAN GABRIEL AVE HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT COMPANY | $61 | — | $61 | 0.11% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT COMPANY | $34 | — | $34 | 0.06% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT COMPANY | $33 | — | $33 | 0.06% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT COMPANY | $33 | — | $33 | 0.06% |
| DOROSHOW INSURANCE INC3 | 2480 W. HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT COMPANY | $32 | — | $32 | 0.06% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT COMPANY | $23 | — | $23 | 0.04% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT COMPANY | $13 | — | $13 | 0.02% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE & ACCIDENT COMPANY | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA | 975 KELLY JOHNSON DRIVE STE 100 LAS VEGAS, NV 89119 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | FRINGE BENEFIT GROUP | $945 | — | $945 | 20.44% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | FRINGE BENEFIT GROUP | $55 | — | $55 | 1.19% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $2 | $110 | 4.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA | 975 KELLY JOHNSON DR STE. 100 LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 2.66% |
| ANTHONY THOMAS THIELGES3 Filed as: ANTHONY THOMAS THEILGES | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 2.04% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.84% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.33% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 91 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 120 | $825K |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 120 | $815K |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 120 | $815K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 59 | $60K |
| Short-term disability | COLONIAL LIFE & ACCIDENT COMPANY | 59 | $55K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 120 | $815K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 59 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.