| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $620K | — | $620K | 3.83% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 2.97% |
| BUILDING BLOCKS FOR BUSINESS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102K | $24K | $127K | 18.45% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102K | — | $102K | 14.84% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SERVICES INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 2.42% |
| KAREN PICCININI3 Filed as: KAREN S. SCHILLING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $570 | $15K | 2.18% |
| KARLA ALEXANDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 1.24% |
| MARTHA LAURA GARDEA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 0.97% |
| ANTONIA MARIE HOLDEN3 Filed as: ANTONIA MARIA RODRIGUEZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $580 | $7K | 0.95% |
| JENNIFER JEAN MOYA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 0.83% |
| MARTHA ANGELICA HILL ESTRADA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $108 | $3K | 0.48% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.33% |
| GEORGE MICHAEL SORRENTINO3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.28% |
| MICHELLE RENE PAYNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| DUNBAR MCELHINNY HELSLEY JR3 Filed as: DUNBAR MCELHINNY HELSLEY JR. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | — | $809 | 0.12% |
| BELLA NATION BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $733 | $26 | $759 | 0.11% |
| VINCENT J ROWAN3 Filed as: VINCENT J. ROWAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $595 | $49 | $644 | 0.09% |
| DONALD C SAVOY INC3 Filed as: DONALD ANTHONY LAWRENCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 0.08% |
| SWARTS MANNING & ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | — | $490 | 0.07% |
| CLAUDIA MONA VANDERVELD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | — | $464 | 0.07% |
| LINDA WOODS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 0.06% |
| JOAN RANCE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | — | $407 | 0.06% |
| TJM CONSULTING LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | — | $406 | 0.06% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $4 | $361 | 0.05% |
| NICOLE BLANCHARD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 0.05% |
| NORTHROP AND ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | — | $357 | 0.05% |
| CHRISTINA D POLK INC3 Filed as: CHRISTINA D. POLK INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 0.05% |
| MARIA MCGLOTHEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $8 | $299 | 0.04% |
| JENNIFER WELLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 0.04% |
| BARLOWE INC3 Filed as: BARLOWE INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.03% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 0.03% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $10 | $197 | 0.03% |
| DARRIN E LESLIE3 Filed as: DARRIN E. LESLIE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.03% |
| JAROLD L WELKER3 Filed as: JAROLD L. WALKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $2 | $181 | 0.03% |
| DONNA ROSS SMITH3 Filed as: DONNA MARIE WARREN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $15 | $179 | 0.03% |
| JAZZLENA BROOKE PERALTA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.02% |
| IRINA SARDARYAN3 Filed as: IRINA KAGANOVSKY-GREEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.02% |
| ROBERT DALE ESTES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $5 | $137 | 0.02% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH MICHAEL-MARTIN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.02% |
| ANTHONY THOMAS THIELGES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $4 | $120 | 0.02% |
| SHAWNEENA MERCADO OVERLY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.02% |
| STEVEN B POLK INC3 Filed as: STEVEN B. POLK INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.02% |
| KELLY BRONNENBERG COON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| AILIN DURHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| DARCY COON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.01% |
| ROGER STUART KENCHEL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.01% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $23 | $77 | 0.01% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.01% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $16 | $66 | 0.01% |
| LAURA LETICIA RENOVA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $31 | $59 | 0.01% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY I | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.01% |
| HUGO GUZMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.01% |
| AMI JEANETTE LANE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| SKYE OSHAY MCDANIEL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.00% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA ANN WOODING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| GLADY R ROWAN3 Filed as: GLADY R. ROWAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $14 | $27 | 0.00% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EUGENE ROMANOWSKI | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $6 | $25 | 0.00% |
| MARIA VERONICA JARQUE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| SUSAN HENDRICKS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $2 | $24 | 0.00% |
| DAVID DOUGLAS MANSKE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $20 | $24 | 0.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM KAIRIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $6 | $23 | 0.00% |
| KEVIN FITZGERALD HOWARD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 0.00% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND BENEFIT SOLUTIONS LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT LEWIS DAMORA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| PATRICIA FERNANDEZ3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER ROTH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| PATRICIA MARTINEZ3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.00% |
| MARQUEZ BENEFIT GROUP LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.00% |
| MONIKA RENCHER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.00% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MICHAEL ANASAGASTI | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| R J K & ASSOCIATES INC3 Filed as: R J K & ASSOCIATES INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.00% |
| ALAN JUSTIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| COURTNEY MCFARLAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KRISTEN ELISE RANDALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PATTI A VINCENT3 Filed as: PATTI JO BAKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SEAN ARTHUR DUGGAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| MARK MARQUEZ3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| KYM ELIZABETH DUNHAM3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JULIA GEORGE3 Filed as: JULIA GESZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 2.01% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 9.75% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.34% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $536 | — | $536 | 2.41% |
| DANIEL KOCH3 | — | AFLAC | $264 | — | $264 | 1.19% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $256 | — | $256 | 1.15% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | AFLAC | $241 | — | $241 | 1.08% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | — | AFLAC | $205 | — | $205 | 0.92% |
| TOM KOCH3 | — | AFLAC | $186 | — | $186 | 0.84% |
| ROBERT WILKINS3 | — | AFLAC | $106 | — | $106 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | — | AFLAC | $100 | — | $100 | 0.45% |
| DARRICK W. SMITH3 Filed as: DARRICK SMITH | — | AFLAC | $85 | — | $85 | 0.38% |
| MICHAEL C WALKER3 Filed as: MICHAEL IVES | — | AFLAC | $54 | — | $54 | 0.24% |
| TODD BURKE3 Filed as: TODD SHELLY | — | AFLAC | $42 | — | $42 | 0.19% |
| TAMMY SWAIN3 | — | AFLAC | $35 | — | $35 | 0.16% |
| CARRIE SMIDT3 | — | AFLAC | $34 | — | $34 | 0.15% |
| TRACI HUTCHINSON3 | — | AFLAC | $31 | — | $31 | 0.14% |
| RHONDA GEHRICH3 | — | AFLAC | $25 | — | $25 | 0.11% |
| HELEN MENDEZ3 | — | AFLAC | $23 | — | $23 | 0.10% |
| COLLEEN LAPRADE3 | — | AFLAC | $22 | — | $22 | 0.10% |
| VICTORIA KAMMER3 | — | AFLAC | $7 | — | $7 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR. | — | AFLAC | $5 | — | $5 | 0.02% |
| ROBERT OLSON3 | — | AFLAC | $2 | — | $2 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | — | AFLAC | $1 | — | $1 | 0.00% |
| DIANN KRZCIOK3 | — | AFLAC | $1 | — | $1 | 0.00% |
| LYNDA TANNER3 Filed as: LYNDA KOCH | — | AFLAC | $1 | — | $1 | 0.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BURNLEY | — | AFLAC | $1 | — | $1 | 0.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.11% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $727 | — | $727 | 12.06% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $688 | — | $688 | 16.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 15.05% |
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 | 7,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,731 | $16.2M |
| Dental(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,617 | $2.3M |
| Vision(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,617 | $2.3M |
| Life insurance(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,617 | $2.3M |
| Short-term disability(8 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5,583 | $1.6M |
| Long-term disability(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,583 | $945K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,731 | $16.2M |
| Other(8 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,617 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,617 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.