| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES LLC | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $27K | — | $27K | — |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 300 EAST 2ND STREET RENO, NV 89501 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $5K | — | $5K | — |
| RUTH ANN GONZALEZ3 | 3637 IAN THOMAS STREET LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $97 | $2K | — |
| ELEVATE INSURANCE LLC3 | P O BOX 26984 LAS VEGAS, NV 89126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | — | $492 | — |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $183 | $492 | — |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $42 | $271 | — |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | — | $229 | — |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | — |
| KIMBERLY THOMAS3 | 7924 AMBER MIST ST LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | — |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES INC | 300 E 2ND STREET STE 1300 RENO, NV 89501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | — |
| CHRISTIAN RUIZ3 | 3741 SEAFORTH ST LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $25 | $104 | — |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DR LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $5 | $98 | — |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | — |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $25 | $79 | — |
| KARLA DANIELA MORENO3 | 5903 HONEYSUCKLE RIDGE ST LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | — |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | — |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | — |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | — |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNADINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | — |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | — |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| PAMELO S DUCUMMON3 | 4895 EAST RUSSLE RD LAS VEGAS, NV 89120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVE #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| LINDA WOODS3 | 9271 MARTEL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| MARIA LOURDES MENDOZA3 | 26443 SAND PALM CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 422 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 422 | $0 |
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 298 | $0 |
| Vision | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 298 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $0 |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $0 |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 422 | $0 |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.