| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY JACOBS3 Filed as: GREGORY W. JACOBS | HENDRICKS ASSOCIATES, INC P.O. BOX 3077 RENO, NV 89505 | HOMETOWN HEALTH | $26K | — | $26K | 4.52% |
| HENDRICKS & ASSOCIATES3 Filed as: HENDRICKS & ASSOSIATES INC | PO BOX 3077 RENO, NV 89505 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 8.00% |
| CHANTEL C. KOPPELMAN3 Filed as: CHANTEL KOPPELMAN | 6680 RUSSIAN THISTLE DR SPARKS, NV 89436 | AFLAC | $3K | — | $3K | 12.85% |
| REGINO ARIZMENDI3 | 8820 ARTESIAN WAY RENO, NV 89506 | AFLAC | $2K | — | $2K | 9.63% |
| CAMBRIA WILLIAMS3 | 9190 DOUBLE DIAMOND PKWY RENO, NV 89521 | AFLAC | $1K | — | $1K | 5.33% |
| MICHAEL WILLIAMS3 Filed as: MICHAEL E WILLIAMS | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $811 | — | $811 | 3.83% |
| HEATHER RAPP-CURRY3 | PO BOX 150 SPARKS, NV 89432 | AFLAC | $625 | — | $625 | 2.95% |
| KEVIN CURTIS3 | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $467 | — | $467 | 2.20% |
| KEVIN CURTIS3 | 300 E 2ND ST STE 1320 RENO, NV 89501 | AFLAC | $373 | — | $373 | 1.76% |
| MICHAEL WILLIAMS3 Filed as: MICHAEL E WILLIAMS | 9190 DOUBLE DIAMOND PKWY # 114 RENO, NV 89521 | AFLAC | $153 | — | $153 | 0.72% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 300 E 2STE 1320ND ST STE 1320 RENO, NV 89501 | AFLAC | $142 | — | $142 | 0.67% |
| QUINCY C MCCOMAS3 | 19869 E BRUNSWICK DR AURORA, CO 80013 | AFLAC | $37 | — | $37 | 0.17% |
| ACS BUSINESS INSURANCE SERVICES3 Filed as: ACS BUSINESS INSURANCE SERVICES INC | 4868 SPARKS BLVD STE 100 SPARKS, NV 89436 | AFLAC | $28 | — | $28 | 0.13% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85754 | AFLAC | $18 | — | $18 | 0.08% |
| BRIA WILLIAMS3 | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $11 | — | $11 | 0.05% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $9 | — | $9 | 0.04% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 79 | $573K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 200 | $82K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 200 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.