| 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 | $113K | — | $113K | 6.69% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES, INC | 6410 S. EASTERN 100 LAS VEGAS, NV 89119 | LIBERTY DENTAL PLAN OF NEVADA, INC. | $18K | — | $18K | 10.00% |
| MAKRO ENTERPRISES INC3 | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | AFLAC | $20K | — | $20K | 22.07% |
| DEBORAH A MARINO3 Filed as: DEBORAH MARINO | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $3K | $94 | $3K | 3.58% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $3K | $162 | $3K | 3.52% |
| LISA HUTZOL3 | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $3K | — | $3K | 3.24% |
| JENNIFER C BOREK3 Filed as: JENNIFER BOREK | 3095 E. PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $516 | $68 | $584 | 0.66% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $306 | — | $306 | 0.35% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $170 | — | $170 | 0.19% |
| SEAN MICHAEL PFEIFFER3 Filed as: SEAN PFEIFFER | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $75 | — | $75 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $72 | — | $72 | 0.08% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $65 | — | $65 | 0.07% |
| TOM KOCH3 | 1800 NE 48TH CT FT LAUDERDALE, FL 33308 | AFLAC | $52 | — | $52 | 0.06% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $49 | — | $49 | 0.06% |
| THE PROFECTUS GROUP LLC3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $43 | — | $43 | 0.05% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $37 | — | $37 | 0.04% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $27 | — | $27 | 0.03% |
| 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 | 0.02% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $17 | — | $17 | 0.02% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $13 | — | $13 | 0.01% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $10 | — | $10 | 0.01% |
| PRIMARIS SERVICES LLC3 | 8324 EMERALD ISLE AVE LAS VEGAS, NV 89128 | AFLAC | $9 | — | $9 | 0.01% |
| KATHERINE DOUGALL3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $8 | — | $8 | 0.01% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $8 | — | $8 | 0.01% |
| TODD BURKE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $6 | — | $6 | 0.01% |
| DIANN KRZCIOK3 | 2682 GRAND FORKS RD HENDERSON, NV 89052 | AFLAC | $6 | — | $6 | 0.01% |
| SIMON REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $5 | — | $5 | 0.01% |
| ENCOMPASS FINANCIAL PLANNING3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $5 | — | $5 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6325 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89118 | AFLAC | $4 | — | $4 | 0.00% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $4 | — | $4 | 0.00% |
| DOUGLAS E DICKE3 Filed as: DOUGLAS DICKE | 6220 STATE ROUTE 521 SUNBURY, OH 43074 | AFLAC | $3 | — | $3 | 0.00% |
| ANDREW K PURDY3 Filed as: ANDREW PURDY | 6765 TULIP FALLS DR UNIT 2048 HENDERSON, NV 89011 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.00% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $2 | — | $2 | 0.00% |
| MERI HOWARD3 | 8174 LAS VEGAS BLVD S UNIT 109-400 LAS VEGAS, NV 89123 | AFLAC | $2 | — | $2 | 0.00% |
| LANCE J MILLER3 Filed as: LANCE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON RINEHART3 | 5026 BUBBLING CREEK LN APT 104 MILLINGTON, TN 38053 | AFLAC | $1 | — | $1 | 0.00% |
| KARMIE COUGHLIN3 | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $1 | — | $1 | 0.00% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES, INC | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | GERBER LIFE INSURANCE CO. | $4K | — | $4K | 8.02% |
| HUGO GUZMAN3 | 4085 NOBEL DRIVE SAN DIEGO, CA 92122 | COLONIAL LIFE AND ACCIDENT INSURANCE | $199 | — | $199 | 2.58% |
| MAKRO ENTERPRISES INC3 | 3075 E. FLAMINGO RD LAS VEGAS, NV 89121 | COLONIAL LIFE AND ACCIDENT INSURANCE | $120 | — | $120 | 1.56% |
| CATHY BUFFONE3 | 1412 PENINSULA PT AVE LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $106 | — | $106 | 1.38% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE | $49 | — | $49 | 0.64% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE | $49 | — | $49 | 0.64% |
| KENNEDY INSURANCE SYSTEMS3 | PO BOX 97133 LAS VEGAS, NV 89193 | COLONIAL LIFE AND ACCIDENT INSURANCE | $47 | — | $47 | 0.61% |
| STEVE BUFFONE3 | C/O BUFFONE ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $19 | — | $19 | 0.25% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE | $11 | — | $11 | 0.14% |
| 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 | $8 | — | $8 | 0.10% |
| MCPHERSON INCORPORATED3 | 209 CHETTRO CT HENDERSON, NV 89074 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6 | — | $6 | 0.08% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 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 | 713 | 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) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 377 | $1.7M |
| Dental | LIBERTY DENTAL PLAN OF NEVADA, INC. | 508 | $185K |
| Vision | GERBER LIFE INSURANCE CO. | 335 | $47K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE | 6 | $8K |
| Prescription drug | HEALTH PLAN OF NEVADA | 377 | $1.7M |
| Other | AFLAC | 172 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.