| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $684K | — | $684K | 3.95% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $132K | $219K | 8.03% |
| BUILDING BLOCKS FOR BUSINESS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | $6K | $38K | 14.16% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | — | $33K | 12.07% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SERVICES INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 2.58% |
| KAREN SUZANNE SCHILLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $931 | $5K | 1.91% |
| KARLA ALEXANDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| JENNIFER JEAN MOYA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| MARTHA LAURA GARDEA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.58% |
| ANTONIA DAVILA3 Filed as: ANTONIA MARIA HOLDEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $149 | $1K | 0.52% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $935 | — | $935 | 0.35% |
| GEORGE MICHAEL SORRENTINO3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $893 | — | $893 | 0.33% |
| MARTHA ANGELICA HILL ESTRADA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $593 | $92 | $685 | 0.25% |
| MICHELLE RENE PAYNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | — | $520 | 0.19% |
| SWARTS MANNING & ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 0.13% |
| BELLA NATION BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.12% |
| ROGER STUART KENCHEL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 0.11% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.10% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.09% |
| NORTHROP AND ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.09% |
| DUNBAR MCELHINNY HELSLEY JR3 Filed as: DUNBAR MCELHINNY HELSLEY JR. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.08% |
| JOAN RANCE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.07% |
| CLAUDIA MONA VANDERVELD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.07% |
| VINCENT J ROWAN3 Filed as: VINCENT J. ROWAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $5 | $178 | 0.07% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.06% |
| MARIA MCGLOTHEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.05% |
| DARRIN E LESLIE3 Filed as: DARRIN E. LESLIE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.05% |
| NICOLE BLANCHARD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.05% |
| JENNIFER WELLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.05% |
| CHRISTINA D POLK INC3 Filed as: CHRISTINA D. POLK INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.04% |
| BARLOWE INC3 Filed as: BARLOWE INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.03% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH MICHAEL-MARTIN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.03% |
| ANTHONY THOMAS THIELGES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.02% |
| STEVEN B POLK INC3 Filed as: STEVEN B. POLK INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.02% |
| SHAWNEENA MERCADO OVERLY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.02% |
| LINDA WOODS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| KELLY BRONNENBERG COON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.02% |
| DARCY COON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 0.01% |
| MARIA VERONICA JARQUE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| LAURA LETICIA RENOVA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| AMI JEANETTE LANE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| SKYE OSHAY MCDANIEL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.01% |
| GLADY R ROWAN3 Filed as: GLADY R. ROWAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $4 | $12 | 0.00% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND BENEFIT SOLUTIONS LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| PATRICIA MARTINEZ3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ALAN JUSTIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA ANN WOODING | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| COURTNEY MCFARLAND3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| KEVIN FITZGERALD HOWARD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| SEAN ARTHUR DUGGAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KRISTEN ELISE RANDALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| R J K & ASSOCIATES INC3 Filed as: R J K & ASSOCIATES INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER ROTH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $480 | — | $480 | 2.59% |
| DANIEL KOCH3 | — | AFLAC | $218 | — | $218 | 1.18% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $213 | — | $213 | 1.15% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | AFLAC | $195 | — | $195 | 1.05% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | — | AFLAC | $185 | — | $185 | 1.00% |
| TOM KOCH3 | — | AFLAC | $164 | — | $164 | 0.89% |
| ROBERT WILKINS3 | — | AFLAC | $94 | — | $94 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | — | AFLAC | $88 | — | $88 | 0.47% |
| DARRICK W. SMITH3 Filed as: DARRICK SMITH | — | AFLAC | $85 | — | $85 | 0.46% |
| MICHAEL C WALKER3 Filed as: MICHAEL IVES | — | AFLAC | $47 | — | $47 | 0.25% |
| TODD BURKE3 Filed as: TODD SHELLY | — | AFLAC | $43 | — | $43 | 0.23% |
| TAMMY SWAIN3 | — | AFLAC | $31 | — | $31 | 0.17% |
| TRACI HUTCHINSON3 | — | AFLAC | $31 | — | $31 | 0.17% |
| RHONDA GEHRICH3 | — | AFLAC | $25 | — | $25 | 0.13% |
| COLLEEN LAPRADE3 | — | AFLAC | $19 | — | $19 | 0.10% |
| HELEN MENDEZ3 | — | AFLAC | $18 | — | $18 | 0.10% |
| VICTORIA KAMMER3 | — | AFLAC | $6 | — | $6 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR. | — | AFLAC | $3 | — | $3 | 0.02% |
| JANICE D RUCKS3 Filed as: JANICE RUSSELL | — | AFLAC | $2 | — | $2 | 0.01% |
| LYNDA TANNER3 Filed as: LYNDA KOCH | — | AFLAC | $1 | — | $1 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | — | AFLAC | $1 | — | $1 | 0.01% |
| DIANN KRZCIOK3 | — | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $56 | — | $56 | 9.98% |
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 | 6,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | 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) | 6,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,693 | $17.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,460 | $2.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,460 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,460 | $2.7M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,460 | $3.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,460 | $2.7M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,693 | $17.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,460 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,460 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.