| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A AND H INSURANCE INC.3 Filed as: A & H INSURANCE | 3301 S. VIRGINIA STREET #201 RENO, NV 89502 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $174K | $0 | $174K | 13.39% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DR STE E-1 HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $522 | $14K | 15.20% |
| A AND H INSURANCE INC.3 Filed as: A & H INSURANCE INC | 3301 S VIRGINIA ST RENO, NV 89502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 6.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | PO BOX 27979 LAS VEGAS, FL 89126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| LINDA WOODS3 | 9271 MARTEL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $547 | $0 | $547 | 0.57% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIR HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.14% |
| NICOLE BLANCHARD3 | 7352 N DECATUR BLVD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.11% |
| HARRIS INS SERVICES INC.3 Filed as: HARRIS INSURANCE SERVICES, INC | 6445 W SUNSET RD LAS VEGAS, NV 89118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.10% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.06% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.04% |
| JESSE RENTERIA3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| ELIZABETH KENT3 | 6553 CHIMES TOWER AVE LAS VEGAS, NV 89139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| JOAN RANCE3 | 434 CRESTWAY RD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| A AND H INCORPORATED3 Filed as: A & H INCORPORATED | 3301 S. VIRGINIA STREET #201 RENO, NV 89502 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 8.32% |
| A AND H INSURANCE INC.3 Filed as: A & H INSURANCE INC | 3301 S. VIRGINIA STREET RENO, NV 895024516 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.50% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE INC | 3301 S VIRGINIA ST RENO, NV 89502 | HMO COLORADO | $3K | $0 | $3K | — |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 326 | $1.3M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 237 | $41K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $20K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 72 | $95K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 72 | $95K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 326 | $1.3M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 72 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.