| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $29K | $6K | $35K | 3.85% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | AMERITAS LIFE INSURANCE CORPORATION | $8K | — | $8K | 10.00% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 14.65% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| COURTNEY MCFARLAND3 | 7804 SMOKERISE COURT LAS VEGAS, NV 89131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $9K | $14K | 30.58% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 205 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $577 | $5K | 10.39% |
| MJ INSURANCE3 Filed as: JENNIFER WELLER AND VARIOUS AGENTS | 1135 JAMESBURY ROAD LAS VEGAS, NV 89135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $347 | $4K | 9.08% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU, INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.99% |
| OMEGA FINANCIAL AND INS. SOLUTIONS3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 7.66% |
| JOAN RANCE3 | 4562 PALM MESA DRIVE LAS VEGAS, NV 89120 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $404 | $3K | 7.57% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $348 | $3K | 5.99% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 207 | $915K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 250 | $83K |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 250 | $998K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $54K |
| Prescription drug | HEALTH PLAN OF NEVADA | 207 | $915K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.