| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL AUTO UNDERWRITERS OF NV3 | PO BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 4.74% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 23.07% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 13.00% |
| JGG INSURANCE SERVICES LLC3 | 175 NORTH GIBSON ROAD HENDERSON, NV 89014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.39% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $100 | $3K | 5.82% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $136 | $1K | 3.03% |
| JENNIFER LIN KRAUS3 | 3713 COPPER KEG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.98% |
| JORDAN LECATES3 | 901 BEAR GULCH COURT NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.96% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 24.69% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 14.10% |
| JGG INSURANCE SERVICES LLC3 | 175 NORTH GIBSON ROAD HENDERSON, NV 89014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.48% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $98 | $3K | 5.81% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $163 | $2K | 3.71% |
| JORDAN LECATES3 | 901 BEAR GULCH COURT NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $926 | $0 | $926 | 2.02% |
| JENNIFER LIN KRAUS3 Filed as: JENNIFER LIN KRAUS AND OTHER AGENTS | 3713 COPPER KEG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $911 | $0 | $911 | 1.99% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 129 | $231K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 129 | $231K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 1 | $139K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 129 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.