| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PKWY STE 110 HENDERSON, NV 89052 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $33K | $8K | $41K | 4.55% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PWKY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $11K | 10.57% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 9.73% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $779 | $4K | 3.80% |
| LINDA WOODS3 | 9271 MARTEL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $118 | $3K | 2.76% |
| VIP INSURANCE INC3 | 400 SOUTH RAMPART BLVD STE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.29% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $295 | $2K | 2.06% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DR LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $231 | $2K | 1.65% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $94 | $948 | 0.90% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | $19 | $885 | 0.84% |
| EVELINA ESCALANTE-KING3 | 18019 WINDWARD RD CLEVELAND, OH 44119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $0 | $510 | 0.49% |
| BRIDGETTE MILLER3 Filed as: BRIDGETTE MILER | 6495 CLARA BOW AVENUE LAS VEGAS, NV 89122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.25% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $23 | $207 | 0.20% |
| ANDREA SMITH3 | 579 SICILIANO STREET LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.14% |
| AARON JAMES BOWERS3 | 1285 S 1125 W OREM, UT 84058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.12% |
| JOEL PARKS3 | 6405 RUSTICATED STONE AVE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 0.12% |
| NICOLE BLANCHARD3 | 228 WEST STAGECOACH FLATS AVE N. LAS VEGAS, NV 89031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.12% |
| JENNIFER LIN KRAUS3 | 3713 COPPER KEG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $7 | $108 | 0.10% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.09% |
| JENNIFER WELLER3 | 1135 JAMESBURY RD LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.05% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $5 | $50 | 0.05% |
| BRAD BIEL3 | 2 GOLD ST NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $8 | $10 | 0.01% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKER'S FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| EVELYN GARCIA3 | 1562 1ST AVE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DOROSHOW INSURANCE INC3 Filed as: DOROSHOW INSURANCE | 2480 W. HORIZON RIDGE PARKWAY SUITE 110 HENDERSON, NV 89052 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 9.61% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $814 | $0 | $814 | 0.98% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 204 | $1000K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $83K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $83K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $83K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 204 | $1000K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.