| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 891193732 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $97K | $43K | $140K | 5.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 975 KELLY JOHNSON DR STE. 100 LAS VEGAS, NV 891193732 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $174 | $16K | 5.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLY JOHNSON DRIVE STE 100 LAS VEGAS, NV 891193732 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.92% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $692 | — | $692 | 2.84% |
| DWAYNE R MARTINEZ3 | 4625 S. POLARIS AVE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 1.53% |
| SIMON B REYES3 | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | — | $272 | 1.12% |
| DEBORAH L SENN3 | 5846 FALLING STREAM AVE. LAS VEGAS, NV 89131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.53% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 5463 SOUTH DURANGO DRIVE SUITE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.32% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.15% |
| MARTIN J LEWIS3 | 30 W RUSSELL RD COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| VICTORIA KAMMER3 Filed as: VICTORIA KRAMER | 5463 S DURANGO SR STE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| SAHAR QABAZARD3 | 18121 CALIFORNIA CT SONOMA, CA 95476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| LUZ ELENA SERVI3 Filed as: LUZ E SERVI | 2349 SALEROSO DR ROWLAND HEIGHT, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 605 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 735 | $316K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 735 | $316K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 735 | $316K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 605 | $2.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 62 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.