| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | UNKNOWN LAS VEGAS, NV 89118 | HEALTH PLAN OF NEVADA | $77K | $0 | $77K | 3.86% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY, ROOM 410 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 7.89% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD SUITE 1801 LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $397 | $7K | 4.24% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, VT 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 4.15% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $278 | $2K | 1.10% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 0.50% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $1 | $80 | 0.05% |
| MJ INSURANCE3 Filed as: JOAN RANCE AND VARIOUS AGENTS | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.05% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY, ROOM 410 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 8.35% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD SUITE 1801 LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $174 | $5K | 3.67% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, VT 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $553 | $4K | 2.99% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $131 | $1K | 0.99% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $599 | $61 | $660 | 0.51% |
| MJ INSURANCE3 Filed as: KAREN SCHILLING AND VARIOUS AGENTS | 7890 FORMITCH COURT LAS VEGAS, NV 89166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | $1 | $187 | 0.14% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.10% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY, ROOM 410 NEW YORK, NY 10018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.06% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY, ROOM 410 NEW YORK, NY 10018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.18% |
| BUFFONE AND ASSOCIATES INC3 Filed as: BUFFONE AND ASSOCIATES | 8255 SOUTH LAS VEGAS BOULEVARD SUITE 1801 LAS VEGAS, NV 89123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.18% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 449 | $2.0M |
| Dental | HEALTH PLAN OF NEVADA | 449 | $2.0M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 473 | $55K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 473 | $349K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 125 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $32K |
| Prescription drug | HEALTH PLAN OF NEVADA | 449 | $2.0M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 473 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.