| 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 | $93K | $41K | $133K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 891132201 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 5.50% |
| 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 | — | $12K | $12K | 3.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 7.37% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | — | $481 | 4.62% |
| DWAYNE R MARTINEZ3 | 597 W 475 N CLEARFIELD, UT 84015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 2.66% |
| SIMON B REYES3 | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 1.66% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 1.19% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 5463 SOUTH DURANGO DRIVE SUITE B LAS VEGAS, NV 89166 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.49% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| COLLEEN M LAPRADE3 | 1600 WILLIAMS ST COLUMBIA, GA 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| THE PROFECTUS GROUP LLC3 | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| VICTORIA KAMMER3 | 1925 CROWN LODGE LANE NORTH LAS VEGAS, NV 89084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| LUZ ELENA SERVI3 | 320 ONYX CREST ST LAS VEGAS, NV 891458710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 560 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 683 | $307K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 683 | $307K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 683 | $307K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 560 | $2.5M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 52 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.