| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | AFLAC | $17K | $3K | $21K | 10.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC | 975 KELLY JOHNSON DRIVE 100 LAS VEGAS, NV 89119 | AFLAC | $7K | — | $7K | 3.53% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $5K | $670 | $6K | 3.20% |
| SIMON B REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $4K | $670 | $4K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $2K | $597 | $2K | 1.13% |
| LESTER RAY BLACKSHEAR3 | 500 E FORT KING STREET STE A OCALA, FL 34471 | AFLAC | $986 | — | $986 | 0.52% |
| DWAYNE R MARTINEZ3 | 3095 E PATRICK LANE STE 1 LAS VEGAS, NV 89120 | AFLAC | $479 | — | $479 | 0.25% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 7292 OLSEN FARM ST LAS VEGAS, NV 89131 | AFLAC | $415 | — | $415 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC. | 975 KELLY JOHNSON DRIVE #100 LAS VEGAS, NV 89119 | AFLAC | $366 | — | $366 | 0.19% |
| LORI ANN WILSON3 Filed as: LORI WILSON | 228 NE 170TH AVENUE PORTLAND, OR 97230 | AFLAC | $332 | — | $332 | 0.18% |
| MARTIN J LEWIS3 | PO BOX 80792 LAS VEGAS, NV 89180 | AFLAC | $328 | — | $328 | 0.17% |
| MICHAEL C WALKER3 Filed as: MICHAEL W LABBE | 3095 E PATRICK LANE SUITE 1 LAS VEGAS, NE 89120 | AFLAC | $275 | — | $275 | 0.15% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $213 | — | $213 | 0.11% |
| MARGUERITE E LEMMON-RINEHART3 | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $56 | — | $56 | 0.03% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $23 | — | $23 | 0.01% |
| JAMES VINCENT PETERSEN JR3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $5 | — | $5 | 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 | 132 | 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. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 132 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.