| 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 | $45K | $15K | $60K | 4.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD SUITE 201 LAS VEGAS, NV 891194260 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 10.07% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210341827 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $856 | $856 | 0.51% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 12.03% |
| CATHY BUFFONE3 | 8255 SOUTH LAS VEGAS BLVD. LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $824 | $5K | 11.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $318 | $2K | 4.00% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIRCLE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $346 | $778 | 1.72% |
| BUFFONE AND ASSOCIATES INC0 Filed as: BUFFONE AND ASSOCIATES, INC. | 8255 LAS VEGAS BLVD. S LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 0.98% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HEPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $14 | $86 | 0.19% |
| STEVE BUFFONE3 Filed as: STEVE BUFFONE C/O BUFFONE & ASSOC. | 8255 SOUTH LAS VEGAS BLVD. LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.11% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.09% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC. | 9795 GATEWAY DRIVE RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| HUGO GUZMAN3 | 2657 WINDMILL PKWY HENDERSON, NV 89074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| JOEL PARKS3 | 2422 FIELDCREST DRIVE CARSON CITY, NV 89701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| REYNALDO R GRAJEDA3 | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| EUGENE L BOWEN JR3 Filed as: EUGENE L BOWEN, JR | 1438 WESSEX CIRCLE RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 213 | $1.4M |
| Dental(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 213 | $1.6M |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 213 | $1.6M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $167K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $167K |
| Prescription drug | HEALTH PLAN OF NEVADA/SERRIA HEALTH & LIFE | 213 | $1.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.