| 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 | $35K | $9K | $44K | 4.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 139 E. WARM SPRINGS LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | $3K | $0 | $3K | 0.30% |
| CATHY BUFFONE3 | C/O BUFFONE ASSOCIATES, INC. 1412 PENINSULA POINT AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $131 | $2K | 4.96% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $180 | $1K | 3.35% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC | 205 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | $40 | $665 | 1.62% |
| CECILE HOYLE3 | 1350 KELSO DUNES AVE #1011 HENDERSON, NV 89014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $0 | $164 | 0.40% |
| BUFFONE AND ASSOCIATES INC3 | 1412 PININSULA POINT AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.29% |
| STEVE BUFFONE1 | C/O BUFFONE ASSOCIATES, INC. 1412 PENINSULA POINT AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.28% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $3 | $93 | 0.23% |
| BENEFITING YOU INC3 Filed as: BENEFITING YOU INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $25 | $85 | 0.21% |
| HARRY O AND LINDA J O'NEAL LIVING T3 | C/O BRENNON O'NEAL LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.16% |
| HOLLEREN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.05% |
| HUGO GUZMAN3 | P.O. BOX 95884 LAS VEGAS, NV 89193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| JOEL PARKS3 | 6405 RUSTICATED STONE AVE. HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| EUGENE L BOWEN JR3 | 1438 WESSEX CIR RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| 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 | $0 | $3K | 13.90% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $299 | $299 | 1.52% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $3K | $3K | 14.99% |
| 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 | $0 | $2K | 10.00% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 155 | $1.0M |
| Dental | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 155 | $1.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 131 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 127 | $20K |
| Prescription drug | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 155 | $1.0M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.