| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 139 E. WARM SPRINGS LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | $36K | $12K | $48K | 4.14% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD. LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $23 | $1K | 3.83% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | $48 | $711 | 1.97% |
| NATIONAL HEALTHCARE BENEFITS INC.3 Filed as: NATIONAL HEALTHCARE AGENCY | 375 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | $0 | $413 | 1.15% |
| STEVE BUFFONE1 | 8255 SOUTH LAS VEGAS BLVD. LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.26% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.18% |
| BUFFONE AND ASSOCIATES INC3 | 8255 SOUTH LAS VEGAS BLVD. LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.17% |
| HARRY O AND LINDA J O'NEAL LIVING T3 | C/O BRENNON O'NEAL LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.16% |
| BENEFITING YOU INC3 Filed as: BENEFITING YOU INC. | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 0.08% |
| HOLLEREN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.06% |
| CECILE HOYLE3 | 1350 KELSO DUNES AVE #1011 HENDERSON, NV 89014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| JOEL PARKS3 | 22 HARRIETT DRIVE CARSON CITY, NV 89703 | 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 | $4 | $0 | $4 | 0.01% |
| DARRIN E LESLIE3 | 2657 WINDMILL PARKWAY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| EUGENE L BOWEN JR3 | 1438 WESSEX CIR RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA | 139 E. WARM SPRINGS ROAD LAS VEGAS, NV 89119 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $0 | $2K | 10.32% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $993 | $993 | 4.97% |
| NATIONAL HEALTHCARE ACCESS AGCY3 Filed as: NATIONAL HEALTHCARE ACCESS AGCY INC | 139 E. WARM SPRINGS ROAD LAS VEGAS, NV 89119 | UNITED OF OMAHA LIFE INSURANCE CO | $689 | $0 | $689 | 3.45% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $357 | $357 | 1.79% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA | 139 E WARM SPRINGS ROAD LAS VEGAS, NV 89119 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $0 | $1K | 7.48% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $910 | $910 | 4.90% |
| NATIONAL HEALTHCARE ACCESS AGCY3 Filed as: NATIONAL HEALTHCARE ACCESS AGCY INC | 139 E WARM SPRINGS ROAD LAS VEGAS, NV 89119 | UNITED OF OMAHA LIFE INSURANCE CO | $469 | $0 | $469 | 2.52% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $328 | $328 | 1.76% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 159 | $1.2M |
| Dental | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 159 | $1.2M |
| Vision | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 159 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 141 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 123 | $20K |
| Prescription drug | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 159 | $1.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.