| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SERVICES | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $38K | $22K | $59K | 5.14% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SERVICES | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.86% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFITS SERVICES | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | VISION SERVICE PLAN | $1K | — | $1K | 4.73% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SERVICES | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $34 | $2K | 8.57% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $515 | $2K | 8.16% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $621 | $77 | $698 | 2.53% |
| CATHY BUFFONE3 | 8255 S LAS VEGAS BLVD LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $124 | $524 | 1.90% |
| JOAN RANCE3 | 434 CRESTWAY RD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $8 | $324 | 1.17% |
| MICHELLE RENE PAYNE3 | 852 CANDIDO GARCIA AVE HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.42% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.32% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $13 | $77 | 0.28% |
| NICOLE BLANCHARD3 | 7545 OSO BLANCA RD LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.26% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVE LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $3 | $71 | 0.26% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.05% |
| JENNIFER LIN KRAUS3 | 3713 COPPER KEG CT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| DARCY COON3 | 1392 PENINSULA POINT LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| CLARICE R MIMS3 Filed as: CLARICE MIMS | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SERVICES | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | HUMANA DENTAL INSURANCE COMPANY | $2K | — | $2K | 16.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KUSHNER & COMPANY INC EIN 38-2444337 | Accounting (including auditing); Consulting (general) Service code 10 | 2427 W CENTRE AVE PORTAGE, MI 49024 | $5K |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 280 | $1.2M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 177 | $11K |
| Vision | VISION SERVICE PLAN | 162 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $362K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.