| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 14.36% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.43% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DRIVE SUITE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $35 | $464 | 13.87% |
| KELLY BRONNENBERG COON3 | 8594 BENIDORM AVENUE LAS VEGAS, NV 89178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 3.35% |
| DARCY COON3 | 1040 AVIATOR COURT HENDERSON, NV 89002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.02% |
| CATHY BUFFONE3 | 8255 LAS VEGAS BOULEVARD SOUTH SUITE 180 LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.42% |
| STEVE BUFFONE3 | UNKNOWN LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
| MJ INSURANCE3 Filed as: KYM E. DUNHAM AND VARIOUS AGENTS | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE, INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.06% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $100K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $100K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $3K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $3K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.