| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $20K | $4K | $24K | 6.00% |
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $5K | $10K | 19.18% |
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $35 | $4K | 12.48% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $783 | $154 | $937 | 2.76% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $683 | $91 | $774 | 2.28% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BOULEVARD LAS VEGAS, NV 89123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $643 | $17 | $660 | 1.95% |
| MJ INSURANCE3 Filed as: DEBORAH R. KIMMONS & VARIOUS AGENTS | 37291 BOSLEY STREET INDIO, CA 92203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $7 | $415 | 1.22% |
| COURTNEY MCFARLAND3 | 205 7TH STREET HUNTINGTON BEACH, CA 92648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $0 | $395 | 1.17% |
| BENEFITTING YOU INC3 Filed as: BENEFITTING YOU INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $220 | $110 | $330 | 0.97% |
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 | 51 | 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) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 98 | $392K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $50K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $34K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $34K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 98 | $392K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.