| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $80K | $20K | $100K | 4.56% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 1.92% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 14.71% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 E. WARM SPRINGS RD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $9 | $5K | 8.73% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $355 | $2K | 4.11% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU, INC | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $923 | $694 | $2K | 2.66% |
| COURTNEY MCFARLAND3 | 8321 W SAHARA AVE APT 2128 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.50% |
| JENNIFER WELLER3 | 494 MAHOGANY RIDGE ST LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 0.49% |
| NICOLE BLANCHARD3 | 7352 N DECATUR BLVD UNIT 5 LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.10% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.07% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 Filed as: OMEGA FINANCIAL AND INSURANCE SOL | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| DEBORAH RUSH KIMMONS3 | 37291 BOSLEY ST INDIO, CA 92203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.07% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
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 | 412 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 571 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 772 | $297K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 772 | $297K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 772 | $297K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $61K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 571 | $2.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.