| 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 | $95K | $42K | $137K | 5.70% |
| 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 | — | $16K | 4.50% |
| 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 | — | $10K | $10K | 2.76% |
| 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 | 4.90% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $638 | — | $638 | 3.07% |
| DWAYNE R MARTINEZ3 | 4625 S. POLARIS AVE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | — | $337 | 1.62% |
| SIMON B REYES3 | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 1.11% |
| DEBORAH L SENN3 | 5846 FALLING STREAM AVE. LAS VEGAS, NV 89131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.42% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 5463 SOUTH DURANGO DRIVE SUITE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.35% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.15% |
| THE PROFECTUS GROUP LLC3 | 30 W RUSSELL RD COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| VICTORIA KAMMER3 | 5463 S. DURANGO SR STE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| SAHAR QABAZARD3 | 18121 CALIFORNIA CT SONOMA, CA 95476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| LUZ ELENA SERVI3 | 2349 SALEROSO DR ROWLAND HEIGHTS, 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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 567 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 717 | $351K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 717 | $351K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 717 | $351K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 567 | $2.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.