| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWARTS MANNING & ASSOCIATES3 Filed as: SWARTS MANNINNG & ASSOCIATES | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $7K | $0 | $7K | 3.06% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $537 | $7K | 18.18% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 13.08% |
| SWARTS MANNING & ASSOCIATES3 | 10091 PARK RUN DR STE 200 LAS VEGAS, NV 89145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.87% |
| H&C PLUS 3 LLC3 | PO BOX 90171 HENDERSON, NV 89009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $392 | $2K | 4.92% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $94 | $1K | 3.77% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $867 | $135 | $1K | 2.60% |
| MARIA LOURDES MENDOZA3 | 26443 SAND PALM CT MORENO VALLEY, CA 92555 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $799 | $102 | $901 | 2.34% |
| VIP INSURANCE INC3 | 400 SOUTH RAMPART BLVD STE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $375 | $897 | 2.33% |
| DARCY COON3 | 1392 PENINSULA POINT LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | — | $457 | 1.19% |
| ISIDORO ZEICHNER3 | 1140 N TOWN CENTER DR LAS VEGAS, NV 89144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | $47 | $319 | 0.83% |
| WILBER MARTINEZ3 | 3604 BLUELAKE AVE LAS VEGAS, NV 89115 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $319 | — | $319 | 0.83% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DR LAS VEGAS, NV 89117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $267 | $41 | $308 | 0.80% |
| MARTIN MENDOZA3 | 26443 SAND PALM CT MORENO VALLEY, CA 92555 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.62% |
| RENE ADRIAN RODRIGUEZ3 | 914 NORTH 73 PLACE SCOTTSDALE, AZ 85257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $48 | $233 | 0.61% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNADINO, CA 92410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $3 | $170 | 0.44% |
| DEBORAH J BELLINO3 Filed as: DEBORAH KHABIR | 7109 TRADING POST LN LAS VEGAS, NV 89128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.15% |
| ADELINA GUADALUPE ORTIZ3 | 22000 GOLDEN STAR BLVD TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $5 | $52 | 0.14% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $7 | $31 | 0.08% |
| SUSAN HENDRICKS3 | 6718 N PALM CANYON DR PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MICHAEL ANASAGASTI | 5208 SOUTH GOLDLEAF PL CHANDLER, AZ 85249 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| SWARTS MANNING & ASSOCIATES3 Filed as: SWARTS, MANNING & ASSOCIATES | 10091 PARK RUN DR. STE 200 LAS VEGAS, NV 89145 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 89119 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.41% |
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 | 88 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 58 | $272K |
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 83 | $38K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 83 | $38K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 83 | $38K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 58 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.