| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 | 1350 BROADWAY STE 410 NEW YORK, NY 10118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $0 | $34K | 8.08% |
| CATHY BUFFONE3 | 8255 LAS VEGAS BLVD S UNIT 180 LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $5K | $33K | 7.84% |
| KYM ELIZABETH DUNHAM3 Filed as: KYM ELIZABETH DUNHUM | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $5K | $19K | 4.52% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU, INC | 2497 CITRUS GARDEN CIR HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $6K | $14K | 3.22% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $703 | $10K | 2.34% |
| LAURA LETICIA RENOVA3 | 756 LAST DANCE PLACE HENDERON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 1.55% |
| MARIA GUADALUPE HARO VILLAESCUSA3 | 756 LAS DANCE DR HENDERON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.10% |
| DEBORAH J BELLINO3 | 2012 LADY LAKE ST LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $18 | $3K | 0.60% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $946 | $70 | $1K | 0.24% |
| AMANDA WILLIAMS3 | 580 KELSFORD DR LAS VEGAS, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $635 | $0 | $635 | 0.15% |
| JOAN RANCE3 | 434 CRESTWAY RD HENDERON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.03% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DR UNIT 1503 CHINO HILLS, CA 91709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.03% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $10 | $66 | 0.02% |
| SHERRY LYNNE BERTUCCINI3 | 1452 W HORIZION RIDGE PKWY HENDERON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| FELTER INC3 | 5403 COMMONWEALTH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PL LOMBARD, IL 60148 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DR TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| JN SAVASTA CORP3 Filed as: J.N SAVASTA CORP | 1350 BROADWAY STE 410 NEW YORK, NY 10118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.01% |
| JN SAVASTA CORP3 Filed as: J.N SAVASTA CORP | 1350 BROADWAY STE 410 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.89% |
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 | 438 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 438 | $452K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 158 | $424K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 438 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.