| 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 | $24K | $8K | $32K | 5.31% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 9.77% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $509 | $3K | 5.65% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $366 | $2K | 4.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 139 E WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.18% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $978 | $236 | $1K | 2.55% |
| COURTNEY MCFARLAND3 | 205 7TH ST HUNTINGTON BEACH, CA 92648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $0 | $527 | 1.11% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $79 | $435 | 0.91% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 0.36% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $10 | $123 | 0.26% |
| 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 | $93 | $0 | $93 | 0.20% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.12% |
| BRENT D BUFFONE3 | 508 N 22ND STREET LAS VEGAS, NV 89101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.08% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.06% |
| JORDAN LECATES3 | 901 BEAR GULCH COURT NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.04% |
| JENNIFER WELLER3 | 700 PEACHY CANYON CIR LAS VEGAS, NV 89144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| JENNIFER LIN KRAUS3 | 3713 COPPER KEG CT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DEBORAH RUSH KIMMONS3 | 37291 BOSLEY ST INDIO, CA 92203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PKWY #110 HENDERSON, NV 89052 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 10.96% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY #110 HENDERSON, NV 89052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.55% |
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 | 77 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 112 | $603K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $41K |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 130 | $645K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $19K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 112 | $603K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 77 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.