| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC | 77 W. MCKINLEY WAY YOUNGSTOWN, OH 44514 | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | $36K | $6K | $42K | 4.14% |
| CATHY BUFFONE3 | C/O BUFFONE ASSOCIATES, INC. 1412 PENINSULA POINT AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $233 | $3K | 6.88% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $403 | $2K | 4.34% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC | 205 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | $43 | $833 | 1.97% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $131 | $297 | 0.70% |
| STEVE BUFFONE3 | C/O BUFFONE ASSOCIATES, INC. 1412 PENINSULA POINT AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.38% |
| BUFFONE AND ASSOCIATES INC3 | 1412 PININSULA POINT AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.38% |
| HARRY O AND LINDA J O'NEAL LIVING T3 | C/O BRENNON O'NEAL LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.22% |
| HUGO GUZMAN3 | P.O. BOX 95884 LAS VEGAS, NV 89193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| HOLLEREN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| JOEL PARKS3 | 6405 RUSTICATED STONE AVE. HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| KIM DARIN3 | 9000 FIREBRAND COURT HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| EUGENE L BOWEN JR3 | 1438 WESSEX CIR RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| NATIONAL HEALTHCARE ACCESS AGCY3 Filed as: NATIONAL HEALTHCARE ACCESS AGCY INC | 205 W WARM SPRINGS ROAD SUITE 108 LAS VEGAS, NV 89119 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $1K | $4K | 21.05% |
| NATIONAL HEALTHCARE ACCESS AGCY3 Filed as: NATIONAL HEALTHCARE ACCESS AGCY INC | 205 E WARM SPRINGS ROAD SUITE 108 LAS VEGAS, NV 89119 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $1K | $3K | 16.99% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 135 | $1.0M |
| Dental | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 135 | $1.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 123 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 110 | $19K |
| Prescription drug | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 135 | $1.0M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.