| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAYMARK INSURANCE SERVICES3 | 975 KELLY JOHNSON WAY SUITE #100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $4K | $0 | $4K | 2.55% |
| SWARTS MANNING & ASSOCIATES3 Filed as: SWARTS, MANNING & ASSOCAITES | 10091 PARK RUN DR. SUITE #200 LAS VEGAS, NV 89145 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $2K | $0 | $2K | 1.38% |
| WAYMARK INSURANCE SERVICES3 | 975 KELLY JOHNSON DRIVE SUITE #100 LAS VEGAS, NV 89119 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.49% |
| SWARTS MANNING & ASSOCIATES3 Filed as: SWARTS, MANNING & ASSOCIATES | 10091 PARK RUN DR. SUITE #200 LAS VEGAS, NV 89145 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.24% |
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 | 59 | 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) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 39 | $231K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 20 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.