| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY #110 HENDERSON, NV 89052 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $26K | $8K | $34K | 5.17% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PKWY #110 HENDERSON, NV 89052 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 16.65% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.88% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 139 E WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 6.28% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $178 | $2K | 4.06% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $136 | $1K | 3.47% |
| COURTNEY MCFARLAND3 | 205 7TH ST HUNTINGTON BEACH, CA 92648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $557 | $0 | $557 | 1.35% |
| BRENT D BUFFONE3 | 508 N 22ND STREET LAS VEGAS, NV 89101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $0 | $499 | 1.21% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $85 | $444 | 1.07% |
| JORDAN LECATES3 | 901 BEAR GULCH COURT NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $0 | $200 | 0.48% |
| JENNIFER WELLER3 | 700 PEACHY CANYON CIR LAS VEGAS, NV 89144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $3 | $198 | 0.48% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.39% |
| OMEGA FINANCIAL AND INS. SOLUTIONS3 Filed as: OMEGA FINANCIAL AND INS SOLUTIONS | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $11 | $125 | 0.30% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $15 | $99 | 0.24% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $2 | $86 | 0.21% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.14% |
| CECILE HOYLE3 | 1350 KELSO DUNES AVE #1011 HENDERSON, NV 89014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| KAREN SUZANNE SCHILLING3 | 400 SOUTH RAMPART BOULEVARD LAS VEGAS, NV 89145 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.05% |
| JENNIFER LIN KRAUS3 | 3713 COPPER KEG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| DEBORAH RUSH KIMMONS3 | 37291 BOSLEY STREET INDIO, CA 92203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| AMI JEANETTE LANE3 | 5631 BOLTON VALLEY DR LAS VEGAS, NV 89122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY #110 HENDERSON, NV 89052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.53% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 142 | $667K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $47K |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 192 | $714K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $31K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 142 | $667K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 99 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.