| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $17K | $3K | $20K | 5.15% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTHERN HIGHLANDS PKY SUITE 201 LAS VEGAS, NV 89141 | METROPOLITAN LIFE INSURANCE COMAPNAY | $10K | $0 | $10K | 10.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | MANHATTAN LIFE | $4K | $0 | $4K | 45.46% |
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWY STE 201 LAS VEGAS, NV 89141 | MANHATTAN LIFE | $2K | $0 | $2K | 19.46% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFIT SPECIALISTS | 289 FARRIS AVE STE B LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMAPNY | $208 | $0 | $208 | 14.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2340 CORPORATE CR 2ND FLOOR HENDERSON, NV 89074 | TRANSAMERICA LIFE INSURANCE COMAPNY | $56 | $0 | $56 | 3.93% |
| JEFF SAMMONS3 Filed as: JEFF E SAMMONS | 2305 W HORIZON RIDGE PKWY UNIT 4023 HENDERSON, NV 89052 | TRANSAMERICA LIFE INSURANCE COMAPNY | $39 | $0 | $39 | 2.74% |
| MICHAEL D PERNA3 | 289 FARRIS AVE. STE B LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMAPNY | $4 | $0 | $4 | 0.28% |
| LMG CONSULTING LLC3 | PO BOX 36775 LAS VEGAS, NV 89133 | TRANSAMERICA LIFE INSURANCE COMAPNY | $2 | $0 | $2 | 0.14% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 80 | $398K |
| Dental | METROPOLITAN LIFE INSURANCE COMAPNAY | 302 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMAPNAY | 302 | $95K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMAPNAY | 302 | $97K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 80 | $398K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMAPNAY | 302 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.