| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $692K | — | $692K | 4.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $3K | $106K | 3.52% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $195 | $3K | 15.08% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $263 | — | $263 | 1.61% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $173 | — | $173 | 1.06% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | AFLAC | $172 | — | $172 | 1.05% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | — | AFLAC | $168 | — | $168 | 1.03% |
| DANIEL KOCH3 Filed as: DANIEL L. KOCH | — | AFLAC | $157 | — | $157 | 0.96% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $145 | — | $145 | 0.89% |
| TOM KOCH3 Filed as: TOM L. KOCH | — | AFLAC | $102 | — | $102 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A. JAIME | — | AFLAC | $78 | — | $78 | 0.48% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | — | AFLAC | $77 | — | $77 | 0.47% |
| DARRICK W. SMITH3 | — | AFLAC | $75 | — | $75 | 0.46% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $40 | — | $40 | 0.24% |
| TODD BURKE3 Filed as: TODD J. SHELLY | — | AFLAC | $37 | — | $37 | 0.23% |
| TRACI HUTCHINSON3 Filed as: TRACI L. HUTCHINSON | — | AFLAC | $30 | — | $30 | 0.18% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | — | AFLAC | $28 | — | $28 | 0.17% |
| MICHAEL F IVES3 Filed as: MICHAEL F. IVES | — | AFLAC | $21 | — | $21 | 0.13% |
| RHONDA S PAPE3 Filed as: RHONDA L. GEHRICH | — | AFLAC | $21 | — | $21 | 0.13% |
| HELEN MENDEZ3 Filed as: HELEN L. MENDEZ | — | AFLAC | $18 | — | $18 | 0.11% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | — | AFLAC | $16 | — | $16 | 0.10% |
| VICTORIA KAMMER3 | — | AFLAC | $6 | — | $6 | 0.04% |
| DANIEL KOCH3 | — | AFLAC | $3 | — | $3 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR. | — | AFLAC | $2 | — | $2 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN G. BARNSON | — | AFLAC | $1 | — | $1 | 0.01% |
| LYNDA TANNER3 Filed as: LYNDA KOCH | — | AFLAC | $1 | — | $1 | 0.01% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM B. KRZCIOK | — | AFLAC | $1 | — | $1 | 0.01% |
| JANICE D RUCKS3 Filed as: JANICE RUSSELL | — | AFLAC | $1 | — | $1 | 0.01% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| NORTHROP AND ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 5.39% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 2.84% |
| DARRIN E LESLIE3 Filed as: DARRIN E. LESLIE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.82% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.60% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 10.00% |
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 | 6,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,472 | $17.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,189 | $3.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,189 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,189 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,189 | $3.0M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,189 | $3.0M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,472 | $17.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,189 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,189 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.