| 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 | $20K | $12K | $32K | 5.20% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $44 | $1K | 4.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $57 | $1K | 3.24% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLSS DR. LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT COMPANY | $488 | $7 | $495 | 1.49% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT COMPANY | $269 | $45 | $314 | 0.95% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT COMPANY | $211 | $3 | $214 | 0.65% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT COMPANY | $68 | — | $68 | 0.20% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT COMPANY | $33 | — | $33 | 0.10% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INS INC | 2480 W. HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT COMPANY | $32 | — | $32 | 0.10% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT COMPANY | $24 | — | $24 | 0.07% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT COMPANY | $23 | — | $23 | 0.07% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT COMPANY | $20 | — | $20 | 0.06% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT COMPANY | $18 | $1 | $19 | 0.06% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT COMPANY | $13 | — | $13 | 0.04% |
| JENNIFER WELLER3 | 1350 N. TOWN CENTER DRIVE LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT COMPANY | $8 | — | $8 | 0.02% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 434 CRESTWAY ROAD RENO, NV 89521 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | $2 | $3 | 0.01% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $7 | $176 | 5.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $7 | $121 | 3.84% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $2 | $110 | 3.49% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT. LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $8 | $43 | 1.37% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.22% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 89 | $615K |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 89 | $615K |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 89 | $615K |
| Life insurance | COLONIAL LIFE & ACCIDENT COMPANY | 38 | $33K |
| Short-term disability | COLONIAL LIFE & ACCIDENT COMPANY | 38 | $33K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 89 | $615K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 38 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.