| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE., STE. S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $17K | $51K | 14.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | P.O. BOX 29675, DEPT. 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 4.21% |
| DARCY COON3 | 1392 PENINSULA POINT LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.45% |
| KELLY BRONNENBERG COON3 | 523 VIA ZARACOZA CT LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.14% |
| VIP INSURANCE INC3 | 400 SOUTH RAMPART BLVD STE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $689 | $299 | $988 | 1.26% |
| CATHY BUFFONE3 | 1412 PENINSULA PT AVE BUFFONE AND ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | — | $676 | 0.86% |
| STEVE BUFFONE3 | 1412 PENINSULA PT AVE BUFFONE AND ASSOCIATES LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.26% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.09% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.09% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.04% |
| BUFFONE AND ASSOCIATES INC3 | 1412 PENINSULA PT AVE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HARRY O AND LINDA J O'NEAL LIVING T3 | C/O BRENNON O'NEAL 1611 S. MARYLAND PKWY. LAS VEGAS, NV 89104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| RICHARD K JOHNSON3 | 684 EAST VINE MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| A AND H INSURANCE INC.3 Filed as: A & H INSURANCE INC | 3301 S VIRGINIA ST RENO, NV 89502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DISTINCTIVE INSURANCE3 | 8375 W FLAMINGO RD STE 102 LAS VEGAS, NV 891474149 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 10.00% |
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 | 67 | 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) | 67 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 88 | $20K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 68 | $360K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.