| 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 | $119K | — | $119K | 5.60% |
| INSGROUP INC3 Filed as: GLB INSURANCE GROUP OF NV | 4455 S PECOS RD LAS VEGAS, NV 89121 | HEALTH PLAN OF NEVADA | $24K | — | $24K | 1.15% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | LIBERTY DENTAL PLAN OF NEVADA | $19K | — | $19K | 10.00% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | AFLAC | $24K | $0 | $24K | 21.44% |
| GCG FINANCIAL LLC3 Filed as: GLB INS GRP OF NV AN ALERA GRP AGCY | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | AFLAC | $3K | — | $3K | 2.46% |
| LISA HUTZOL3 | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $1K | $43 | $2K | 1.35% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $959 | $235 | $1K | 1.05% |
| PATRICK J SULLIVAN3 Filed as: PATRICK SULLIVAN | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $390 | — | $390 | 0.34% |
| JENNIFER C BOREK3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $317 | — | $317 | 0.28% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $293 | — | $293 | 0.26% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $185 | — | $185 | 0.16% |
| ANDREW K PURDY3 Filed as: ANDREW PURDY | 1409 HAWKWOOD RD LAS VEGAS, NV 89014 | AFLAC | $67 | $54 | $121 | 0.11% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $117 | — | $117 | 0.10% |
| MICHAEL F IVES3 | 6127 S RAINBOW BLVD STE 110B LAS VEGAS, NV 89118 | AFLAC | $89 | $18 | $107 | 0.09% |
| LAURIE ANN UNDERNEHR3 | 290 STONEKIRK DR BELLA VISTA, AR 72715 | AFLAC | $59 | $26 | $85 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $55 | $8 | $63 | 0.06% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $58 | — | $58 | 0.05% |
| BEVERLY SCHENK3 | PO BOX 1197 HAIKU, HI 96708 | AFLAC | $58 | — | $58 | 0.05% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $50 | — | $50 | 0.04% |
| NEVADA BENEFITS CORPORATION3 Filed as: NEVADA BENEFITS CORP | 9505 HILLWOOD DR STE 100 LAS VEGAS, NV 89134 | AFLAC | $46 | — | $46 | 0.04% |
| COLISTA R SHETLER3 | 2418 PEBBLE SPRINGS CT HENDERSON, NV 89074 | AFLAC | $38 | — | $38 | 0.03% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $31 | — | $31 | 0.03% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $30 | — | $30 | 0.03% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $28 | — | $28 | 0.02% |
| LAURIE ANN UNDERNEHR3 | 2711 W SAYRE LN ROGERS, AR 72758 | AFLAC | $27 | — | $27 | 0.02% |
| DEBRA ADEL GOMEZ3 | 664 HITCHEN POST DT HENDERSON, NV 89011 | AFLAC | $22 | — | $22 | 0.02% |
| SIMON B REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $21 | — | $21 | 0.02% |
| THE PROFECTUS GROUP LLC3 | 900 N KINDSBURY ST APT 823 CHICAGO, IL 60610 | AFLAC | $18 | $2 | $20 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMOND, TN 38023 | AFLAC | $20 | — | $20 | 0.02% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GRP LLC | 7000 W 111TH ST STE 215 WORTH, IL 60482 | AFLAC | $19 | — | $19 | 0.02% |
| MICHAEL A YOUNG3 | 1353 FOX ACRES DR LAS VEGAS, NV 89134 | AFLAC | $17 | — | $17 | 0.01% |
| RACHEL DEBORAH SUNDAY3 | 8055 W MANCHESTER AVE STE 405 PLAYA DEL RAY, CA 90293 | AFLAC | $15 | — | $15 | 0.01% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $15 | — | $15 | 0.01% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $12 | — | $12 | 0.01% |
| SIMON B REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $12 | — | $12 | 0.01% |
| JOSHUA J CONTRERAS3 Filed as: JOSHUA CONTRERAS | 2293 HAWES AVE APT 2470 DALLAS, TX 75235 | AFLAC | $10 | — | $10 | 0.01% |
| DANIEL BAKLEY3 | 2101 SEALION DR UNIT 107 LAS VEGAS, NV 89128 | AFLAC | $9 | — | $9 | 0.01% |
| KATHLEEN E DOUGALL3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $7 | — | $7 | 0.01% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $6 | — | $6 | 0.01% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $6 | — | $6 | 0.01% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $5 | — | $5 | 0.00% |
| ENCOMPASS FINANCIAL PLANNING3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $5 | — | $5 | 0.00% |
| TODD BURKE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $5 | — | $5 | 0.00% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92001 | AFLAC | $5 | — | $5 | 0.00% |
| DAYTON RINEHART3 | 608 GRIMES RD DRUMMOND, TN 38023 | AFLAC | $4 | — | $4 | 0.00% |
| COLISTA R SHETLER3 | 9003 BELCONTE LN HENDERSON, NV 89074 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST LAUDERDALE, FL 33334 | AFLAC | $4 | — | $4 | 0.00% |
| TOM KOCH3 Filed as: TOM L KOCH | 1800 NE 48TH CT FT LAUDERDALE, FL 33308 | AFLAC | $3 | — | $3 | 0.00% |
| 1 SOURCE INSURANCE GROUP3 | 3606 N RANCHO RD STE 140 LAS VEGAS, NV 89130 | AFLAC | $3 | — | $3 | 0.00% |
| DOUGLAS E DICKE3 | 6220 STATE ROUTE 521 SUNBURY, OH 43074 | AFLAC | $3 | — | $3 | 0.00% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $1 | — | $1 | 0.00% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | GERBER | $4K | — | $4K | 7.50% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 1.93% |
| CATHY BUFFONE3 | 8255 S LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.86% |
| JOAN RANCE3 | 434 CRESTWAY RD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.86% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.63% |
| STEVE BUFFONE3 | C/O BUFFONE ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.33% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 3075 E FLAMINGO RD LAS VEGAS, NV 89121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.32% |
| KENNEDY INSURANCE SYSTEMS3 | PO BOX 97133 LAS VEGAS, NV 89193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.23% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.19% |
| MCPHERSON INCORPORATED3 | 209 CHETTRO CT HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.11% |
| HARRY O AND LINDA J O'NEAL LIVING T3 Filed as: HARRY O AND LINDA O'NEAL LIVING TRU | CO BRENNON ONEAL LAS VEGAS, NV 89183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.09% |
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 | 607 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 607 | $2.1M |
| Dental | LIBERTY DENTAL PLAN OF NEVADA | 610 | $186K |
| Vision | GERBER | 406 | $49K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4 | $6K |
| Prescription drug | HEALTH PLAN OF NEVADA | 607 | $2.1M |
| Other | AFLAC | 199 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.