| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWATS MANNING & ASSOCIATES | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC | $27K | $0 | $27K | 4.62% |
| SWARTS MANNING & ASSOCIATES | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.26% |
| MARIA MCGLOTHEN | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $122 | $3K | 5.91% |
| ALIDA J REJON | 2501 S OCEAN DR APT 734 HOLLYWOOD, FL 33019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $701 | — | $701 | 1.25% |
| BENEFITTING YOU INC | 2497 CITRUS GARDEN CIR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | $197 | $649 | 1.16% |
| ANTHONY THOMAS THIELGES | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $14 | $620 | 1.10% |
| LAURA LETICIA RENOVA | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | $139 | $599 | 1.07% |
| JOAN RANCE | 434 CRESTWAY RD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | $7 | $589 | 1.05% |
| KYM ELIZABETH DUNHAM | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $142 | $567 | 1.01% |
| OMEGA FINANCIAL AND INSURANCE SOLUT | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.29% |
| DARCY COON | 1040 AVIATOR CT HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.11% |
| CATHY BUFFONE | 8255 LAS VEGAS BLVD S UNIT 180 LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $14 | $56 | 0.10% |
| NICOLE BLANCHARD | 7352 N DECATOR BLVD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.08% |
| VIP INSURANCE INC | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.07% |
| NORTHROP AND ASSOCIATES | 2505 ANTHEM VILLAGE DR STE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.04% |
| MARIA C GONZALEZ | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| LUIS ERNESTO PEREZ Filed as: LUIS PEREZ BENEFIT INSURANCE SOLUTI | 861 KENWOOD ST UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MARIA VERONICA JARQUE | 4744 N PAULINA ST APT 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| RENE ADRIAN RODRIGUEZ | 1814 E BELL RD APT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC | 160 | $587K |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC | 160 | $587K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC | 160 | $587K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $56K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $56K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC | 160 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.