| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: GLB INSURANCE GROUP OF NV | 4455 S PECOS RD LAS VEGAS, NV 89121 | HEALTH PLAN OF NEVADA | $155K | — | $155K | 6.25% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $75K | $62 | $75K | 51.91% |
| 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 | $32K | — | $32K | 22.15% |
| LISA HUTZOL3 Filed as: LISA A HUTZOL | 9608 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $1K | — | $1K | 0.78% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $774 | — | $774 | 0.53% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $461 | — | $461 | 0.32% |
| LAURA K. LYNCH3 Filed as: LAURA K LYNCH | 117 PROSPECT AVE HERMOSA BEACH, CA 90254 | AFLAC | $265 | — | $265 | 0.18% |
| JENNIFER C BOREK3 | 3095 E PATRICK LANE STE 1 LAS VEGAS, NV 89120 | AFLAC | $223 | — | $223 | 0.15% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $168 | — | $168 | 0.12% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $164 | — | $164 | 0.11% |
| DAVID HERNANDEZ3 | 2239 W 190TH ST TORRANCE, CA 90504 | AFLAC | $143 | — | $143 | 0.10% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $138 | — | $138 | 0.10% |
| LAURIE ANN UNDERNEHR3 | 3007 N 18TH ST ROGERS, AR 72756 | AFLAC | $89 | — | $89 | 0.06% |
| MICHAEL F IVES3 | 6127 S RAINBOW BLVD STE 110B LAS VEGAS, NV 89118 | AFLAC | $83 | — | $83 | 0.06% |
| BEVERLY SCHENK3 | P.O. BOX 1197 HAIKU, HI 96708 | AFLAC | $69 | — | $69 | 0.05% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $59 | — | $59 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $54 | — | $54 | 0.04% |
| COLISTA R SHETLER3 Filed as: COLISTA R SHELTER | 9003 BELCONTE LN HENDERSON, NV 89074 | AFLAC | $49 | — | $49 | 0.03% |
| BEN C CORDOVA3 | 9820 W GOULD AVE LITTLETON, CO 80123 | AFLAC | $48 | — | $48 | 0.03% |
| THE PROFECTUS GROUP LLC3 | 450 W WILSON BRIDGE RD STE 110 WORTHINGTON, OH 43085 | AFLAC | $45 | — | $45 | 0.03% |
| NEVADA BENEFITS CORPORATION3 Filed as: NEVADA BENEFITS CORP | 9505 HILLWOOD DR STE 100 LAS VEGAS, NV 89134 | AFLAC | $42 | — | $42 | 0.03% |
| SIMON B REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $38 | — | $38 | 0.03% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 6167 BRISTOL PKWY STE 106 CULVER CITY, CA 90230 | AFLAC | $38 | — | $38 | 0.03% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $35 | — | $35 | 0.02% |
| VALERIE S. LEWIS3 Filed as: VALERIE S LEWIS | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $26 | — | $26 | 0.02% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $25 | — | $25 | 0.02% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 2229 W 190TH ST TORRANCE, CA 90504 | AFLAC | $25 | — | $25 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $24 | — | $24 | 0.02% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $23 | — | $23 | 0.02% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $23 | — | $23 | 0.02% |
| DEBRA ADEL GOMEZ3 | 664 HITCHEN POST DR HENDERSON, NV 89011 | AFLAC | $21 | — | $21 | 0.01% |
| ANDREW K PURDY3 | 1409 HAWKWOOD RD HENDERSON, NV 89014 | AFLAC | $18 | — | $18 | 0.01% |
| CHARLOTTE A FISHBURN3 | P.O. BOX 7066 GOLDEN, CO 80403 | AFLAC | $15 | — | $15 | 0.01% |
| JENNIFER C BOREK3 | 11612 BOLLINGER LN LAS VEGAS, NV 89141 | AFLAC | $15 | — | $15 | 0.01% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $14 | — | $14 | 0.01% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $10 | — | $10 | 0.01% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $9 | — | $9 | 0.01% |
| KATHERIN E DOUGALL3 | 1800 BLANKENSHIO RD STE 200 WEST LINN, OR 97068 | AFLAC | $9 | — | $9 | 0.01% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92001 | AFLAC | $7 | — | $7 | 0.00% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $7 | — | $7 | 0.00% |
| ENCOMPASS FINANCIAL PLANNING3 | 1800 BLANKENSHIP RD STE 200 WEST LINN, OR 97068 | AFLAC | $6 | — | $6 | 0.00% |
| TODD BURKE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $6 | — | $6 | 0.00% |
| MICHAEL A YOUNG3 | 1353 FOX ACRES DR LAS VEGAS, NV 89134 | AFLAC | $6 | — | $6 | 0.00% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $5 | — | $5 | 0.00% |
| RACHEL DEBORAH SUNDAY3 | 8055 W MANCHESTER AVE STE 405 PLAYA DEL RAY, CA 90293 | AFLAC | $5 | — | $5 | 0.00% |
| DAYTON RINEHART3 | 608 GRIMES RD DRUMMOND, TN 38023 | AFLAC | $4 | — | $4 | 0.00% |
| DOUGLAS E DICKE3 | 6220 STATE ROUTE 521 SUNBURY, OH 43074 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.00% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER RAY BLACKSHER | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL BAKLEY3 | 2101 SEALION DR UNIT 107 LAS VEGAS, NV 89128 | AFLAC | $3 | — | $3 | 0.00% |
| TOM KOCH3 Filed as: TOM L KOCH | 1800 NE 48TH CT FT LAUDERDALE, FL 33308 | AFLAC | $3 | — | $3 | 0.00% |
| MANIFESTES ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $1 | — | $1 | 0.00% |
| 1 OURCE INSURANCE GROUP3 | 3606 N RANCHO DR STE 140 LAS VEGAS, NV 89130 | AFLAC | $1 | — | $1 | 0.00% |
| LAWRENCE A ELMORE3 | P.O. BOX 244 MORRISON, CO 80465 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON3 | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.00% |
| MAKRO ENTERPRISES INC3 Filed as: MAKRO ENTERPRISES | 6410 S EASTERN AVE STE 100 LAS VEGAS, NV 89119 | LIBERTY DENTAL PLAN OF NEVADA | $18K | — | $18K | 100.00% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 2.50% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 2.02% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.95% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 Filed as: OMEGA FINANCIAL AND INSURANCE | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.67% |
| STEVE BUFFONE3 | BUFFONE AND ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.35% |
| KENNEDY INSURANCE SYSTEMS3 | P.O. BOX97133 LAS VEGAS, NV 89193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.21% |
| MCPHERSON INCORPORATED3 | 209 CHETTRO CT HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.12% |
| HARRY O AND LINDA J O'NEAL LIVING T3 Filed as: HARRY O AND LINDA J ONEAL LIVING T | 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 | 599 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 599 | $2.5M |
| Dental | LIBERTY DENTAL PLAN OF NEVADA | 529 | $18K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 127 | $150K |
| Prescription drug | HEALTH PLAN OF NEVADA | 599 | $2.5M |
| Other | AFLAC | 127 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.