| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTHERN HIGHLANDS PKWY SUITE 201 LAS VEGAS, NV 891413274 | METROPOLITAN LIFE INS. COMP | $7K | $12 | $7K | 4.15% |
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWY LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $34K | — | $34K | 22.00% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $10K | $355 | $10K | 14.51% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $2K | $24 | $2K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $1K | $24 | $1K | 1.65% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $989 | $47 | $1K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $564 | $47 | $611 | 0.88% |
| SIMON REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $452 | $2 | $454 | 0.65% |
| DEBRA CARDELLA3 | 5125 W OQUENDO RD STE 10 LAS VEGAS, NV 89118 | AFLAC | $314 | — | $314 | 0.45% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $232 | — | $232 | 0.33% |
| BRANDON M JONES3 Filed as: BRANDON JONES | 6863 TREBLE CLEF AVE LAS VEGAS, NV 89139 | AFLAC | $173 | — | $173 | 0.25% |
| TODD BURKE3 Filed as: TODD SHELLY | 3728 WARMBREEZE WAY LAS VEGAS, NV 89129 | AFLAC | $154 | — | $154 | 0.22% |
| NANETTE STARK3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $104 | $18 | $122 | 0.18% |
| JENNIFER TAFOYA3 | 8955 TOMNITZ AVE LAS VEGAS, NV 89178 | AFLAC | $116 | — | $116 | 0.17% |
| MITZY COOPER3 | 9301 MOUNT BRET AVE UNIT 103 LAS VEGAS, NV 89129 | AFLAC | $104 | — | $104 | 0.15% |
| JENNIFER C BOREK3 Filed as: JENNIFER BOREK | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $70 | — | $70 | 0.10% |
| HELEN MENDEZ3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $59 | — | $59 | 0.08% |
| TOM KOCH3 | 34 TAMARRON CLIFFS ST LAS VEGAS, NV 89148 | AFLAC | $45 | — | $45 | 0.06% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $34 | — | $34 | 0.05% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $14 | $11 | $25 | 0.04% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $17 | — | $17 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $17 | — | $17 | 0.02% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | AFLAC | $16 | — | $16 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $15 | — | $15 | 0.02% |
| CYNTHIA L SAMUELS3 Filed as: CYNTHIA SAMUELS | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $15 | — | $15 | 0.02% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 751 HEBRON PARKWAY STE 220 LEWISVILLE, TX 75057 | AFLAC | $14 | — | $14 | 0.02% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $14 | — | $14 | 0.02% |
| L. SPALDING3 Filed as: L SPALDING | 4297 KLUMP AVE STUDIO CITY, CA 91602 | AFLAC | $11 | — | $11 | 0.02% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 5700 CHICOPEE AVE ENCINO, CA 91316 | AFLAC | $8 | $3 | $11 | 0.02% |
| ELIZABETH SHOEBOOT3 | 1300 S ARLINGTON ST #114 LAS VEGAS, NV 89104 | AFLAC | $8 | — | $8 | 0.01% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 12121 WILSHIRE BLVD STE 1225 LOS ANGELES, CA 90025 | AFLAC | $7 | — | $7 | 0.01% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $7 | — | $7 | 0.01% |
| VICTORIA KAMMER3 | 5416 LA PATERA LN LAS VEGAS, NV 89149 | AFLAC | $6 | — | $6 | 0.01% |
| CHAD G LAYNE3 Filed as: CHAD LAYNE | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $4 | — | $4 | 0.01% |
| DANIEL NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | AFLAC | $4 | — | $4 | 0.01% |
| DANEEN STAGLIANO3 | 5032 LASSEN AVE SAN JOSE, CA 95129 | AFLAC | $3 | — | $3 | 0.00% |
| ERIN RADA3 | 2900 SUNRIDGE HEIGHTS PKWY APT 92 HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.00% |
| DAYTON RHINEHART3 | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $3 | — | $3 | 0.00% |
| DIANN KRZCIOK3 | 2682 GRAND FORKS RD HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTOPHER HAGER3 | 8201 PARK HILL DR LOS ANGELES, CA 90045 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL STACHOWIAK | 12121 WILSHIRE BLVD LOS ANGELES, CA 90025 | AFLAC | $1 | — | $1 | 0.00% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SRVCS, INC | 11920 SOUTHERN HIGHLANDS PKWY LAS VEGAS, NV 89141 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 306 | $156K |
| Dental | METROPOLITAN LIFE INS. COMP | 491 | $174K |
| Vision | VISION SERVICE PLAN | 248 | $22K |
| Life insurance | METROPOLITAN LIFE INS. COMP | 491 | $174K |
| Short-term disability | AFLAC | 108 | $70K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 306 | $156K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INS. COMP | 491 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.