| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $723K | — | $723K | 3.95% |
| PAYCHEX INSURANCE AGENCY, INC.3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.02% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INSURANCE AGENCY, INC. | — | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 0.98% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $74K | — | $74K | 8.71% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY LTD | — | METROPOLITAN LIFE INSURANCE COMPANY | $158K | — | $158K | 19.44% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $45K | — | $45K | 14.51% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY LTD | — | ANGLE INSURANCE COMPANY OF UTAH | $10K | — | $10K | 4.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 19.44% |
| ADVANSTAFF3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $5K | — | $5K | 17.68% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | — | NATIONAL GUARDIAN LIFE INSURANCE | $2K | — | $2K | 8.84% |
| ACAP HEALTH CONSULTING LLC3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $1K | — | $1K | 5.30% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.50% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| MARTIN J LEWIS3 Filed as: MARTIN J. LEWIS | — | AFLAC | $154 | — | $154 | 1.68% |
| THE PROFECTUS GROUP LLC3 | — | AFLAC | $110 | — | $110 | 1.20% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $105 | — | $105 | 1.15% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | AFLAC | $100 | — | $100 | 1.09% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | — | AFLAC | $92 | — | $92 | 1.01% |
| DANIEL KOCH3 Filed as: DANIEL L. KOCH | — | AFLAC | $70 | — | $70 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A. JAIME | — | AFLAC | $45 | — | $45 | 0.49% |
| TOM LEE KOCH3 | — | AFLAC | $37 | — | $37 | 0.40% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | — | AFLAC | $34 | — | $34 | 0.37% |
| DARRICK W. SMITH3 | — | AFLAC | $32 | — | $32 | 0.35% |
| MANIFESTED ABUNDANCE INC3 Filed as: MANIFESTED ABUNDANCE INC. | — | AFLAC | $26 | — | $26 | 0.28% |
| HELEN MENDEZ3 Filed as: HELEN L. MENDEZ | — | AFLAC | $18 | — | $18 | 0.20% |
| TODD BURKE3 Filed as: TODD J. SHELLY | — | AFLAC | $16 | — | $16 | 0.18% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | — | AFLAC | $16 | — | $16 | 0.18% |
| RHONDA S PAPE3 Filed as: RHONDA L. GEHRICH | — | AFLAC | $10 | — | $10 | 0.11% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | — | AFLAC | $9 | — | $9 | 0.10% |
| MICHAEL F IVES3 Filed as: MICHAEL F. IVES | — | AFLAC | $9 | — | $9 | 0.10% |
| VICTORIA KAMMER3 | — | AFLAC | $5 | — | $5 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR. | — | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $85 | — | $85 | 10.01% |
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 | 6,787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,451 | $19.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 6,517 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,517 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,580 | $852K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,580 | $1.2M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,580 | $864K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,451 | $18.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,580 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,517 | — |
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.