| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | $14K | $3K | $17K | 5.83% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.50% |
| L/P INSURANCE SERVICES3 | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.50% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $732 | — | $732 | 11.20% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $321 | — | $321 | 5.01% |
| L/P INSURANCE SERVICES3 | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $321 | — | $321 | 5.01% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 2.05% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 1.68% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.28% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.16% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| TAMMY VAN HOUTEN-THOMPSON3 | 8693 TARA HILL AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $370 | — | $370 | 11.25% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $41 | $189 | 7.76% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 6.61% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 6.57% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $8 | $28 | 1.15% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.49% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.33% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| LINDA WOODS3 | 9271 MARTEL AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $188 | — | $188 | 11.35% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $172 | — | $172 | 11.03% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $143 | — | $143 | 11.38% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $132 | — | $132 | 10.98% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $104 | — | $104 | 11.23% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $35 | $161 | 25.52% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 18.38% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 18.38% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 2.69% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.58% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $62 | — | $62 | 10.95% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $57 | — | $57 | 10.98% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $54 | — | $54 | 11.34% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 2.31% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 2.31% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.85% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.93% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.69% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 89703 | AMERITAS LIFE INSURANCE CORPORATION | $46 | — | $46 | 11.14% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $36 | — | $36 | 11.11% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $23 | — | $23 | 11.68% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $18 | — | $18 | 10.78% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $17 | — | $17 | 10.97% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $16 | — | $16 | 11.19% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 7.09% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 4.72% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | 40 | $330K |
| Dental(8 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 22 | $16K |
| Vision(8 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 15 | $4K |
| Prescription drug | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | 40 | $299K |
| Other(8 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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.