| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 | 2470 SAINT ROSE PARKWAY, SUITE 203 HENDERSON, NV 89074 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $45K | $14K | $59K | 5.36% |
| DOROSHOW INSURANCE INC3 | 2470 SAINT ROSE PARKWAY, SUITE 203 HENDERSON, NV 89074 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| DOROSHOW INSURANCE INC3 | 2480 WEST HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 14.71% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 7.60% |
| LAURA LETICIA RENOVA3 Filed as: LAURA LATICIA RENOVA | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $382 | $2K | 4.13% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH COURT LAS VEGAS, NV 89166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $484 | $2K | 4.11% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $918 | $307 | $1K | 2.59% |
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $416 | $0 | $416 | 0.88% |
| COURTNEY MCFARLAND3 Filed as: COURTNEY MCFARLAND AND OTHER AGENTS | 8321 WEST SAHARA AVENUE APARTMENT 2128 LAS VEGAS, NV 89117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $11 | $255 | 0.54% |
| CATHY BUFFONE3 | 8255 LAS VEGAS BOULEVARD SOUTH SUITE 180 LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $8 | $36 | 0.08% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INS INC | 2480 WEST HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $6 | $33 | 0.07% |
| ANDRES RAMIREZ AND OTHERS3 | 7568 MISSION PALM STREET LAS VEGAS, NV 89239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DOROSHOW INSURANCE INC3 | 2470 SAINT ROSE PARKWAY, SUITE 203 HENDERSON, NV 89074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.61% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 175 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $62K |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 175 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $37K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 175 | $1.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.