| 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 | $96K | $42K | $138K | 5.73% |
| 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 | $15K | -$174 | $15K | 5.30% |
| 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 | — | $6K | $6K | 2.21% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $16K | $2K | $18K | 8.51% |
| 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 | AFLAC | $8K | — | $8K | 3.69% |
| LUZ ELENA SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $2K | $268 | $3K | 1.19% |
| DEBORAH L SENN3 | 5846 FALLING STREAM AVE. LAS VEGAS, NV 89131 | AFLAC | $2K | — | $2K | 1.01% |
| SIMON B REYES3 | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | AFLAC | $2K | — | $2K | 0.75% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $1K | $268 | $2K | 0.74% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $805 | — | $805 | 0.38% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | AFLAC | $717 | — | $717 | 0.34% |
| THE PROFECTUS GROUP LLC3 | 450 W WILSON BRIDGE RD STE 110 WORTHINGTON, OH 43085 | AFLAC | $616 | — | $616 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $461 | — | $461 | 0.22% |
| LORI ANN WILSON3 Filed as: LORI WILSON | 1809 SHIREWICK DR LAS VEGAS, NV 89117 | AFLAC | $276 | — | $276 | 0.13% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $267 | — | $267 | 0.12% |
| MICHAEL C WALKER3 Filed as: MICHAEL W LABBE | 23465 S 223RD PL QUEEN CREEK, AZ 85142 | AFLAC | $201 | — | $201 | 0.09% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $157 | — | $157 | 0.07% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $146 | — | $146 | 0.07% |
| VICTORIA KAMMER3 Filed as: VICTORIA KRAMER | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $91 | — | $91 | 0.04% |
| JAMES VINCENT PETERSEN JR3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $46 | — | $46 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $43 | — | $43 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $31 | — | $31 | 0.01% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $22 | — | $22 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $17 | — | $17 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $16 | — | $16 | 0.01% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $5 | — | $5 | 0.00% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $2 | — | $2 | 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 | 364 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 563 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 696 | $289K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 696 | $289K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 696 | $289K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 563 | $2.4M |
| Other | AFLAC | 134 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.