| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE, INC. | 2480 W HORIZON RIDGE PARKWAY #110 HENDERSON, NV 89052 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $14K | $6K | $20K | 2.91% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $7K | $2K | $9K | 1.31% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 E. WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $740 | $7K | 12.16% |
| COURTNEY MCFARLAND3 | 852 BAYWOOD DRIVE NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $510 | $2K | 3.33% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $142 | $2K | 2.76% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU, INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $856 | $310 | $1K | 1.93% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE INC. | 2480 W. HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $864 | $288 | $1K | 1.91% |
| JENNIFER WELLER3 | 700 PEACHY CANYON CIR LAS VEGAS, NV 89144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $903 | $15 | $918 | 1.52% |
| NICOLE BLANCHARD3 | 7545 OSO BLANCA ROAD LAS VEGAS, NV 89149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $70 | $623 | 1.03% |
| OMEGA FINANCIAL AND INS. SOLUTIONS3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $113 | $457 | 0.76% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $442 | $0 | $442 | 0.73% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $283 | $54 | $337 | 0.56% |
| BRENT D BUFFONE3 | 508 N. 22ND STREET LAS VEGAS, NV 89101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $217 | $17 | $234 | 0.39% |
| CATHY BUFFONE3 | 1412 PENINSULA PT AVE LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $38 | $162 | 0.27% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.21% |
| CECILE HOYLE3 | 1350 KELSO DUNES AVE #1011 HENDERSON, NV 89014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.21% |
| JORDAN LECATES3 | 901 BEAR GULCH COURT NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $3 | $68 | 0.11% |
| JENNIFER RAY3 | 501 EAST LAKE MEAD PARKWAY HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.07% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $10 | $37 | 0.06% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $4 | $31 | 0.05% |
| BARLOWE INC3 Filed as: BARLOWE INC. | 3313 CHEYENNE GARDENS WAY NORTH LAS VEGAS, NV 89032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.02% |
| KAREN SUZANNE SCHILLING3 | 400 SOUTH RAMPART BOULEVARD LAS VEGAS, NV 89145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| DEBORAH RUSH KIMMONS3 | 37291 BOSLEY STREET INDIO, CA 92203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC. | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 2.49% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE INC. | 2480 W HORIZON RIDGE PARKWAY #110 HENDERSON, NV 89052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.67% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.94% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 165 | $692K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $47K |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 213 | $739K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $34K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 165 | $692K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 105 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.