| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $788K | — | $788K | 3.99% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INSURANCE AGENCY, INC. | — | UNITEDHEALTHCARE INSURANCE COMPANY | $66K | — | $66K | 2.91% |
| PAYCHEX INSURANCE AGENCY, INC.3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | -$20K | — | -$20K | -0.91% |
| PHILLIP GOODRUM3 Filed as: PHILLIP RICHARDS | — | ANGLE INSURANCE COMPANY OF UTAH | — | $40K | $40K | 2.99% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $84K | — | $84K | 7.70% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $169K | — | $169K | 18.09% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $120K | — | $120K | 28.44% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 18.12% |
| ADVANSTAFF3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $6K | — | $6K | 18.34% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | — | NATIONAL GUARDIAN LIFE INSURANCE | $2K | — | $2K | 4.59% |
| ACAP HEALTH CONSULTING LLC3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $368 | — | $368 | 1.07% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 14.79% |
| 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 | $265 | — | $265 | 3.52% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC | — | AFLAC | $88 | — | $88 | 1.17% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | — | AFLAC | $69 | — | $69 | 0.92% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $62 | — | $62 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A. JAIME | — | AFLAC | $40 | — | $40 | 0.53% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | — | AFLAC | $34 | — | $34 | 0.45% |
| HEALTHCARE NETWORKS OF AMERICA3 | — | AFLAC | $29 | — | $29 | 0.39% |
| DANIEL KOCH3 Filed as: DANIEL L. KOCH | — | AFLAC | $21 | — | $21 | 0.28% |
| MANIFESTED ABUNDANCE INC3 Filed as: MANIFESTED ABUNDANCE INC. | — | AFLAC | $21 | — | $21 | 0.28% |
| HELEN MENDEZ3 Filed as: HELEN L. MENDEZ | — | AFLAC | $18 | — | $18 | 0.24% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | — | AFLAC | $15 | — | $15 | 0.20% |
| TOM LEE KOCH3 | — | AFLAC | $13 | — | $13 | 0.17% |
| DARRICK W. SMITH3 | — | AFLAC | $11 | — | $11 | 0.15% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | — | AFLAC | $9 | — | $9 | 0.12% |
| MICHAEL C WALKER3 Filed as: MICHAEL F. INVES | — | AFLAC | $9 | — | $9 | 0.12% |
| TODD BURKE3 Filed as: TODD J. SHELLY | — | AFLAC | $6 | — | $6 | 0.08% |
| VICTORIA KAMMER3 | — | AFLAC | $4 | — | $4 | 0.05% |
| RHONDA S PAPE3 Filed as: RHONDA L. GEHRICH | — | AFLAC | $4 | — | $4 | 0.05% |
| DANIEL KOCH3 | — | AFLAC | $1 | — | $1 | 0.01% |
| LYNDA TANNER3 Filed as: LYNDA KOCH | — | AFLAC | $1 | — | $1 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR. | — | AFLAC | $1 | — | $1 | 0.01% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | 20.00% |
| 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% |
| HOLLEM & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.45% |
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 | 7,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 6,902 | $24.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,637 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,637 | $1.5M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,637 | $1.1M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,317 | $19.7M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,637 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,902 | — |
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.