| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTHERN HIGHLANDS PKWY #201 LAS VEGAS, NV 89141 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 3.01% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD UNIT 140 LAS VEGAS, NV 89117 | UNITED HEALTHCARE INSURANCE COMPANY | -$46 | $0 | -$46 | -0.01% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTHERN HIGHLANDS PKWY STE 201 LAS VEGAS, NV 89141 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.77% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 156 | $710K |
| Dental | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 199 | $78K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 199 | $78K |
| Life insurance | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 199 | $78K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 156 | $710K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 242 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.