| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $14K | $49K | 16.36% |
| LAURA LETICIA RENOVA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 3.60% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 3.51% |
| MARIA GUADALUPE HARO VILLAESCUSA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $576 | $3K | 1.10% |
| BRENT DEVARAM BUFFONE3 | 3512 E CARTIER AVE NORTH LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $373 | $2K | 0.75% |
| DOMINIQUE LLYNN LLAUGER3 | 9814 OVERLOOK RIDGE AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | $760 | $1K | 0.49% |
| VINCENT A LLAUGER3 | 9814 OVERLOOK RIDGE AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $261 | $352 | 0.12% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $11 | $127 | 0.04% |
| AMANDA WILLIAMS3 | 580 KELSFORD DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $2 | $50 | 0.02% |
| EDREI C DUARTE3 | 3649 LAKESIDE VILLAS AVE NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| SILVIA AGUILAR ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ALICIA ANNE LAWRENCE3 | 150 LAS VEGAS BLVD N UNIT 1505 LAS VEGAS, NV 89101 | COLONIAL LIFE & ACCIDENT 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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | 254 | $711K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 218 | $302K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 218 | $302K |
| Prescription drug | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | 254 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.