| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $25K | $7K | $32K | 5.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 16.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 6.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.09% |
| OMEGA FINANCIAL AND INS. SOLUTIONS3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $538 | $458 | $996 | 4.37% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DRIVE LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $773 | $35 | $808 | 3.55% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $636 | $132 | $768 | 3.37% |
| BUFFONE AND ASSOCIATES INC3 Filed as: BUFFONE AND ASSOCIATES | UNKNOWN LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $50 | $494 | 2.17% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $354 | $134 | $488 | 2.14% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R AND B ENROLLMENT AND OTHER AGENTS | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.07% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 144 | $632K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $58K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $58K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $58K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $58K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 144 | $632K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.