| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $146K | — | $146K | 7.11% |
| MAKRO ENTERPRISES INC3 | 6410 S EASTERN AVE, STE 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 | 19.83% |
| LISA HUTZOL3 Filed as: LISA A HUTZOL | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $5K | $346 | $5K | 5.15% |
| DWAYNE MARTINEZ3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $3K | $386 | $4K | 3.59% |
| DEBORAH A MARINO3 Filed as: DEBORAH MARINO | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $643 | $96 | $739 | 0.72% |
| ANDREW K PURDY3 Filed as: ANDREW PURDY | 1409 HAWKWOOD RD HENDERSON, NV 89014 | AFLAC | $484 | $6 | $490 | 0.48% |
| JENNIFER C BOREK3 Filed as: JENNIFER BOREK | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $435 | — | $435 | 0.43% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN RD LAS VEGAS, NV 89135 | AFLAC | $234 | $8 | $242 | 0.24% |
| MICHAEL C WALKER3 Filed as: MICHAEL IVES | 6127 S RAINBOW BLVD STE 110B LAS VEGAS, NV 89118 | AFLAC | $218 | $3 | $221 | 0.22% |
| PATRICK J SULLIVAN3 Filed as: PATRICK SULLIVAN | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $212 | — | $212 | 0.21% |
| NEVADA BENEFITS CORPORATION3 Filed as: NEVADA BENEFITS CORP | 9505 HILLWOOD DR STE 100 LAS VEGAS, NV 89134 | AFLAC | $147 | — | $147 | 0.14% |
| LAURIE ANN UNDERNEHR3 | 290 STONEYKIRK DR BELLA VISTA, AZ 72715 | AFLAC | $140 | — | $140 | 0.14% |
| RACHEL DEBORAH SUNDAY3 | 8055 W MANCHESTER AVE STE 202 PLAYA DEL REY, CA 90293 | AFLAC | $89 | — | $89 | 0.09% |
| DANIEL A JAMIE3 | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $79 | $1 | $80 | 0.08% |
| LAURIE ANN UNDERNEHR3 | 5042 SHADOW RIVER ST LAS VEGAS, NV 89148 | AFLAC | $52 | $7 | $59 | 0.06% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $48 | — | $48 | 0.05% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $43 | — | $43 | 0.04% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $37 | — | $37 | 0.04% |
| DEBRA ADEL GOMEZ3 | 664 HITCHEN POST DR HENDERSON, NV 89011 | AFLAC | $32 | — | $32 | 0.03% |
| SIMON B REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $32 | — | $32 | 0.03% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $31 | — | $31 | 0.03% |
| THE PROFECTUS GROUP LLC3 | 900 N KINGSBURY ST APT 823 CHICAGO, IL 60610 | AFLAC | $30 | — | $30 | 0.03% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $27 | — | $27 | 0.03% |
| LEANN POTTER3 | 455 CANYON DR MESQUITE, NV 89027 | AFLAC | $21 | — | $21 | 0.02% |
| COLISTA R SHETLER3 | 9003 BELCONTE LN HENDERSON, NV 89074 | AFLAC | $18 | — | $18 | 0.02% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $16 | — | $16 | 0.02% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH RD FOLSOM, CA 95630 | AFLAC | $14 | — | $14 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | AFLAC | $13 | — | $13 | 0.01% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $12 | — | $12 | 0.01% |
| BEVERLY SCHENK3 | PO BOX 1197 HAIKU, HI 96708 | AFLAC | $10 | — | $10 | 0.01% |
| KATHERINE DOUGALL3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $8 | — | $8 | 0.01% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANNI AVE HENDERSON, NV 89052 | AFLAC | $7 | — | $7 | 0.01% |
| JOSHUA J CONTRERAS3 Filed as: JOSHUA CONTRERAS | 2293 HAWES AVE APT 2470 DALLAS, TX 75235 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM B KRZCIOK3 | 2760 FORT MEYER AVE HENDERSON, NV 89052 | AFLAC | $5 | — | $5 | 0.00% |
| ENCOMPASS FINANCIAL PLANNING3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $5 | — | $5 | 0.00% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $5 | — | $5 | 0.00% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $5 | — | $5 | 0.00% |
| TODD MICHAEL COHOE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $5 | — | $5 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FM 33334 | AFLAC | $4 | — | $4 | 0.00% |
| TOM KOCH3 Filed as: TOM L KOCH | 1800 NE 48TH CT FT LAUDERDAL, FL 33308 | AFLAC | $3 | — | $3 | 0.00% |
| DOUGLAS E DICKE3 | 6220 STATE ROUTE 521 SUNBURY, OH 43074 | AFLAC | $3 | — | $3 | 0.00% |
| COLISTA R SHETLER3 | 2418 PEBBLE SPRINGS CT HENDERSON, NV 89074 | AFLAC | $3 | — | $3 | 0.00% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $1 | — | $1 | 0.00% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $1 | — | $1 | 0.00% |
| PRIMARIS SERVICES LLC3 | 8324 EMERAL ISLE AVE LAS VEGAS, NV 89128 | AFLAC | $1 | — | $1 | 0.00% |
| MAKRO ENTERPRISES INC3 | 6410 S EASTERN AVE STE 100A LAS VEGAS, NV 89119 | GERBER LIFE INSURANCE CO | $3K | — | $3K | 6.99% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY HENDERSON, NV 89074 | COLONIAL LIFE AND ACCIDENT INSURANCE | $108 | — | $108 | 1.82% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE | $104 | — | $104 | 1.75% |
| CATHY BUFFONE3 | 8255 S. LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $97 | — | $97 | 1.64% |
| JOAN RANCE3 | 434 CRESTWAY RD LAS VEGAS, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE | $45 | — | $45 | 0.76% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE | $35 | — | $35 | 0.59% |
| KENNEDY INSURANCE SYSTEMS3 | PO BOX 97133 LAS VEGAS, NV 89193 | COLONIAL LIFE AND ACCIDENT INSURANCE | $23 | — | $23 | 0.39% |
| STEVE BUFFONE3 | C.O BUFFONE ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE | $17 | — | $17 | 0.29% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT LAS VEGAS, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10 | — | $10 | 0.17% |
| HARRY O AND LINDA J O'NEAL LIVING T3 | C/O BRENNON ONEAL LAS VEGAS, NV 89183 | COLONIAL LIFE AND ACCIDENT INSURANCE | $8 | — | $8 | 0.13% |
| MCPHERSON INCORPORATED3 | 209 CHETTRO CT HENDERSON, NV 89074 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6 | — | $6 | 0.10% |
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 | 761 | 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) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 615 | $2.0M |
| Dental | LIBERTY DENTAL PLAN OF NEVADA INC | 587 | $176K |
| Vision | GERBER LIFE INSURANCE CO | 359 | $44K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE | 4 | $6K |
| Prescription drug | HEALTH PLAN OF NEVADA | 615 | $2.0M |
| Other | AFLAC | 139 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.