| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA BETH RENTERIA3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $718 | $2K | 7.11% |
| ELEVATE INSURANCE LLC3 | P O BOX 26984 LAS VEGAS, NV 89126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $103 | $1K | 3.56% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $851 | $278 | $1K | 3.41% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $526 | $1K | 3.27% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNADINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | $46 | $764 | 2.31% |
| DOROSHOW INSURANCE INC3 | 2480 W HORIZON RIDGE PARKWAY HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $599 | $66 | $665 | 2.01% |
| MICHELLE RENE PAYNE3 | 852 CONDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $125 | $590 | 1.78% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DR LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $15 | $178 | 0.54% |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVE #12 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $33 | $142 | 0.43% |
| AARON JAMES BOWERS3 | 6411 COLLINGSWORTH ST LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.32% |
| JENNIFER LIN KRAUS3 | 3713 COPPER KEG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $15 | $103 | 0.31% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN ST LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $2 | $94 | 0.28% |
| JOAN RANCE3 | 4562 PALM MESA DR LAS VEGAS, NV 89120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.14% |
| MARIA LOURDES MENDOZA3 | 26443 SAND PALM CT MORENO VALLEY, CA 92555 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $3 | $38 | 0.11% |
| PAMELA S DUCUMMON3 | 3540 W SAHARA AVE LAS VEGAS, NV 89102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| LINDA WOODS3 | 3833 PALM ISLAND CT LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| NICOLE BLANCHARD3 | 228 WEST STAGECOACH FLATS AVE N LAS VEGAS, NV 89031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ELEVATE INSURANCE LLC3 | 3160 WEST SAHARA AVENUE A25 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $48K | — | $48K | — |
| ELEVATE INSURANCE LLC3 | PO BOX 26984 SUITE A25 LAS VEGAS, NV 89126 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
| ELEVATE INSURANCE LLC | PO BOX 26984 LAS VEGAS, NV 89126 | EYEMED | $1K | — | $1K | — |
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. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 388 | $0 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $0 |
| Vision | EYEMED | 237 | $0 |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 65 | $33K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 65 | $33K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 388 | $0 |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 65 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.