| 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 | $13K | $3K | $16K | 4.89% |
| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $385 | — | $385 | 4.99% |
| L/P INSURANCE SERVICES3 | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $385 | — | $385 | 4.99% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $749 | — | $749 | 11.56% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $591 | — | $591 | 11.20% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $470 | — | $470 | 11.60% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 1.99% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 1.57% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.15% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| TAMMY VAN HOUTEN-THOMPSON3 | 8693 TARA HILL AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $351 | — | $351 | 11.50% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $212 | — | $212 | 11.15% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 11.39% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 3.52% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $13 | $50 | 3.15% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.82% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.50% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.25% |
| NICOLE BLANCHARD3 | 525 SAND SAGE AVE N LAS VEGAS, NV 89030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.25% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.25% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $165 | — | $165 | 11.57% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $160 | — | $160 | 11.44% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $146 | — | $146 | 11.50% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $122 | — | $122 | 11.70% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $111 | — | $111 | 11.12% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 89703 | AMERITAS LIFE INSURANCE CORPORATION | $84 | — | $84 | 11.54% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $75 | — | $75 | 11.26% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $55 | — | $55 | 10.96% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 2.73% |
| L/P INSURANCE SERVICES3 | 8345 W SUNSET RD LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 2.73% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 2.19% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.09% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.82% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $36 | — | $36 | 11.21% |
| 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% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $13 | — | $13 | 10.92% |
| PATHWAY INSURANCE INC3 | PO BOX 881 DRIGGS, ID 83422 | AMERITAS LIFE INSURANCE CORPORATION | $13 | — | $13 | 10.92% |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 62 | 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 | 39 | $370K |
| Dental(8 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 17 | $24K |
| Vision(8 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 17 | $5K |
| Prescription drug | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | 39 | $335K |
| Other(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39 | — |
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.