| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY NEW YORK, NY 10018 | SIERRA HEALTH & LIFE | $27K | — | $27K | 5.70% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 1500 LAS VEGAS, NV 89113 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.61% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NC 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $6K | $22K | 9.81% |
| SHERRY LYNNE BERTUCCINI3 | 1452 W HORIZION RIDGE PKWY HENDERSON, NC 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $5K | $22K | 9.81% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 8.30% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 5.87% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 3.68% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 2.24% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $568 | $174 | $742 | 0.33% |
| EDREI C DUARTE3 | 3649 LAKESIDE VILLAS AVE NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 0.18% |
| 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 | $19 | — | $19 | 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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH & LIFE | 208 | $812K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 194 | $226K |
| Prescription drug | SIERRA HEALTH & LIFE | 208 | $470K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 194 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.