| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $650K | — | $650K | 3.97% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $75K | — | $75K | 5.07% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INSURANCE AGENCY, INC. | — | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 2.00% |
| ADVANSTAFF3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $4K | — | $4K | 15.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | — | NATIONAL GUARDIAN LIFE INSURANCE | $2K | — | $2K | 7.76% |
| ACAP HEALTH CONSULTING LLC3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $1K | — | $1K | 4.65% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.83% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $265 | — | $265 | 2.28% |
| DANIEL KOCH3 Filed as: DANIEL L. KOCH | — | AFLAC | $142 | — | $142 | 1.22% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | — | AFLAC | $128 | — | $128 | 1.10% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | AFLAC | $116 | — | $116 | 1.00% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $101 | — | $101 | 0.87% |
| TOM LEE KOCH3 | — | AFLAC | $74 | — | $74 | 0.64% |
| DARRICK W. SMITH3 | — | AFLAC | $69 | — | $69 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A. JAIME | — | AFLAC | $52 | — | $52 | 0.45% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | — | AFLAC | $34 | — | $34 | 0.29% |
| TODD BURKE3 Filed as: TODD J. SHELLY | — | AFLAC | $33 | — | $33 | 0.28% |
| MANIFESTED ABUNDANCE INC3 Filed as: MANIFESTED ABUNDANCE | — | AFLAC | $29 | — | $29 | 0.25% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $29 | — | $29 | 0.25% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | — | AFLAC | $18 | — | $18 | 0.16% |
| HELEN MENDEZ3 Filed as: HELEN L. MENDEZ | — | AFLAC | $18 | — | $18 | 0.16% |
| RHONDA S PAPE3 Filed as: RHONDA L. GEHRICH | — | AFLAC | $18 | — | $18 | 0.16% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | — | AFLAC | $9 | — | $9 | 0.08% |
| MICHAEL F IVES3 Filed as: MICHAEL F. IVES | — | AFLAC | $9 | — | $9 | 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% |
| NORTHROP AND ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 4.64% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 2.47% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.45% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 9.97% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 9.90% |
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 | 6,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 5,756 | $17.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,352 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,352 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,352 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,352 | $1.5M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,352 | $1.5M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 3,817 | $16.4M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,352 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,756 | — |
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.