| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKY SUITE LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA | $83K | — | $83K | 3.66% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTHERN HIGHLANDS PKY SUITE LAS VEGAS, NV 89141 | GUARDIAN | $12K | — | $12K | 7.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLAN OF NEVADA EIN 88-0201035 NONE | Claims processing; Contract Administrator Service code 12 | 2720 N TENAYA WAY LAS VEGAS, NV 89128 | $16K |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 534 | $2.3M |
| Dental | GUARDIAN | 314 | $160K |
| Vision | GUARDIAN | 314 | $160K |
| Life insurance | GUARDIAN | 314 | $160K |
| Short-term disability | GUARDIAN | 314 | $160K |
| Long-term disability | GUARDIAN | 314 | $160K |
| Prescription drug | HEALTH PLAN OF NEVADA | 534 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.