| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 139 E. WARM SPRINGS LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | $41K | $14K | $55K | 3.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD SUITE 201 LAS VEGAS, NV 891194260 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $6K | $20K | 13.74% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210341827 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.87% |
| MARK A LAMB3 | PO BOX 5933 OCEANSIDE, CA 92052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $693 | $0 | $693 | 2.83% |
| DEL DOWNEY3 | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $0 | $586 | 2.40% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES INC | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $0 | $246 | 1.01% |
| JB CREATIVE SOLUTIONS LLC3 | 3881 FREEMAN WAY PROPSER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $0 | $245 | 1.00% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $0 | $154 | 0.63% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAEY LII | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.25% |
| ELTHON ISRAEL CRUZ3 Filed as: ELTHON ISREAL CRUZ | 893 SOUTH 2100 WEST OREN, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.20% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.15% |
| PETER M. CROSBY3 Filed as: PETER MUZZY CROSBY | 122 15TH ST DEL MAR, CA 92014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.05% |
| DAVID O CHRISTENSEN3 | 396 CYPRESS DR APT F LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.05% |
| JENNIFER AURORA RAMIREZ3 | 4120 WHITTIER ST SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 191 | $1.4M |
| Dental(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 191 | $1.5M |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 191 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $148K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $148K |
| Prescription drug | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 191 | $1.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.