| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVENUE STE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $41K | — | $41K | 5.20% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES, INC | 6410 S. EASTERN 100 LAS VEGAS, NV 89119 | LIBERTY DENTAL PLAN OF NEVADA, INC. | $12K | — | $12K | 10.00% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES, INC | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | GERBER LIFE INSURANCE CO. | $3K | — | $3K | 8.63% |
| LISA HUTZOL3 Filed as: LISA EDLIN | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $3K | $216 | $3K | 13.25% |
| MAKRO ENTERPRISES INC3 | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | AFLAC | $2K | — | $2K | 6.70% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $650 | $33 | $683 | 2.91% |
| JENNIFER C BOREK3 Filed as: JENNIFER BOREK | 3095 E. PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $316 | — | $316 | 1.35% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $290 | — | $290 | 1.23% |
| SEAN MICHAEL PFEIFFER3 Filed as: SEAN PFEIFFER | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $224 | $40 | $264 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $183 | $41 | $224 | 0.95% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 636 N TREZEVANT ST MEMPHIS, TN 38112 | AFLAC | $58 | $14 | $72 | 0.31% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $65 | — | $65 | 0.28% |
| PRIMARIS SERVICES LLC3 | 8324 EMERALD ISLE AVE LAS VEGAS, NV 89128 | AFLAC | $29 | $7 | $36 | 0.15% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $33 | — | $33 | 0.14% |
| LANCE J MILLER3 Filed as: LANCE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $33 | — | $33 | 0.14% |
| STEVEN R WEINER3 Filed as: STEVEN WEINER | 13266 W MULBERRY DR LITCHFIELD PARK, AZ 85340 | AFLAC | $31 | — | $31 | 0.13% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $27 | — | $27 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF NV INC | 975 KELLY JOHNSON DRIVE 100 LAS VEGAS, NV 89119 | AFLAC | $18 | — | $18 | 0.08% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $13 | — | $13 | 0.06% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 7292 OLSEN FARM ST LAS VEGAS, NV 89131 | AFLAC | $9 | $1 | $10 | 0.04% |
| KATHERINE DOUGALL3 | 1800 BLANKENSHIP RD STE 130 WEST LINN, OR 97068 | AFLAC | $8 | — | $8 | 0.03% |
| SIMON REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $5 | $1 | $6 | 0.03% |
| TODD BURKE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $5 | — | $5 | 0.02% |
| DOUGALL FINANCIAL GROUP3 | 1800 BLANKENSHIP RD STE 130 WEST LINN, OR 97068 | AFLAC | $5 | — | $5 | 0.02% |
| MULLIGAN BENEFITS LLC3 | 8765 W KELTON LN BLDG 1 PEORIA, AZ 85382 | AFLAC | $5 | — | $5 | 0.02% |
| DOUGLAS E DICKE3 Filed as: DOUGLAS DICKE | 6220 STATE ROUTE 521 SUNBURY, OH 43074 | AFLAC | $4 | — | $4 | 0.02% |
| MARIA MULLIGAN3 | 11315 W JOMAX RD PEORIA, AZ 85383 | AFLAC | $3 | — | $3 | 0.01% |
| TOM KOCH3 | 884 E ERIE CT GILBERT, AZ 85295 | AFLAC | $3 | — | $3 | 0.01% |
| MARQUERITE LEMMON-RINEHART3 | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $2 | — | $2 | 0.01% |
| DANIEL JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $1 | — | $1 | 0.00% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 EAST CHANDLER BOULEVARD BUILDING 1 STE 103 PHOENIX, AZ 85048 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.00% |
| HUGO GUZMAN3 | P.O. BOX 95884 LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $289 | — | $289 | 2.89% |
| MARKO ENTERPRISES INC3 | 3075 E. FLAMINGO RD LAS VEGAS, NV 89121 | COLONIAL LIFE AND ACCIDENT INSURANCE | $182 | — | $182 | 1.82% |
| CATHY BUFFONE3 | C/O BUFFONE ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $175 | — | $175 | 1.75% |
| JOAN RANCE3 | 4562 PALM MESA DRIVE LAS VEGAS, NV 89120 | COLONIAL LIFE AND ACCIDENT INSURANCE | $79 | — | $79 | 0.79% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE | $73 | — | $73 | 0.73% |
| KENNEDY INSURANCE SYSTEMS3 | PO BOX 97133 LAS VEGAS, NV 89193 | COLONIAL LIFE AND ACCIDENT INSURANCE | $58 | — | $58 | 0.58% |
| STEVE BUFFONE3 | C/O BUFFONE ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $30 | — | $30 | 0.30% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE | $21 | — | $21 | 0.21% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10 | — | $10 | 0.10% |
| HARRY O AND LINDA J O'NEAL LIVING T3 Filed as: HARRY O AND LINDA J O'NEAL LIVING | C/O BRENNON ONEAL LAS VEGAS, NV 89183 | COLONIAL LIFE AND ACCIDENT INSURANCE | $9 | — | $9 | 0.09% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LIMITED | 5740 S. ARVILLE STREET LAS VEGAS, NV 89118 | COLONIAL LIFE AND ACCIDENT INSURANCE | $8 | — | $8 | 0.08% |
| MCPHERSON INCORPORATED3 | 209 CHETTRO CT HENDERSON, NV 89074 | COLONIAL LIFE AND ACCIDENT INSURANCE | $7 | — | $7 | 0.07% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 246 | $795K |
| Dental | LIBERTY DENTAL PLAN OF NEVADA, INC. | 411 | $124K |
| Vision | GERBER LIFE INSURANCE CO. | 232 | $29K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE | 8 | $10K |
| Prescription drug | HEALTH PLAN OF NEVADA | 246 | $795K |
| Other | AFLAC | 37 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.