| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $727K | — | $727K | 4.05% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 4.23% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.85% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $294 | — | $294 | 2.42% |
| DANIEL KOCH3 Filed as: DANIEL L. KOCH | — | AFLAC | $142 | — | $142 | 1.17% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | — | AFLAC | $133 | — | $133 | 1.09% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | AFLAC | $124 | — | $124 | 1.02% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $111 | — | $111 | 0.91% |
| TOM LEE KOCH3 | — | AFLAC | $73 | — | $73 | 0.60% |
| DARRICK W. SMITH3 | — | AFLAC | $67 | — | $67 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A. JAIME | — | AFLAC | $55 | — | $55 | 0.45% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | — | AFLAC | $46 | — | $46 | 0.38% |
| TODD BURKE3 Filed as: TODD J. SHELLY | — | AFLAC | $32 | — | $32 | 0.26% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $30 | — | $30 | 0.25% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | — | AFLAC | $19 | — | $19 | 0.16% |
| RHONDA S PAPE3 Filed as: RHONDA L. GEHRICH | — | AFLAC | $17 | — | $17 | 0.14% |
| MANIFESTED ABUNDANCE INC3 Filed as: MANIFESTED ABUNDANCE INC. | — | AFLAC | $17 | — | $17 | 0.14% |
| TRACI HUTCHINSON3 Filed as: TRACI L. HUTCHINSON | — | AFLAC | $12 | — | $12 | 0.10% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | — | AFLAC | $10 | — | $10 | 0.08% |
| MICHAEL F IVES3 Filed as: MICHAEL F. IVES | — | AFLAC | $10 | — | $10 | 0.08% |
| HELEN MENDEZ3 Filed as: HELEN L. MENDEZ | — | AFLAC | $10 | — | $10 | 0.08% |
| VICTORIA KAMMER3 | — | AFLAC | $5 | — | $5 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS, JR. | — | AFLAC | $2 | — | $2 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G. BARNSON | — | AFLAC | $1 | — | $1 | 0.01% |
| DANIEL KOCH3 | — | 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% |
| 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 | $67 | — | $67 | 5.01% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 2.62% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.52% |
| DARRIN E LESLIE3 Filed as: DARRIN E. LESLIE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | $13 | $102 | 10.20% |
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 | 5,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 3,667 | $18.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,194 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,194 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,194 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,194 | $1.2M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,194 | $1.2M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 3,667 | $18.0M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,194 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,194 | — |
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.