| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 | 1512 HIGHWAY 138 WALL, NJ 07719 | HEALTH PLAN OF NEVADA SIERRA HEALTH AND LIFE | $56K | $12K | $69K | 3.66% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTH HIGHLANDS PARKWAY SUITE 201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.90% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES, INC. | 11920 SOUTH HILAND PARKWAY SUITE 201 LAS VEGAS, NV 89141 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTH HIGHLAND PARKWAY SUITE 201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE SERVICES INC | 11920 SOUTH HIGHLAND PARKWAY SUITE 201 LAS VEGAS, NV 89141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.84% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA SIERRA HEALTH AND LIFE | 582 | $1.9M |
| Dental | STANDARD INSURANCE COMPANY | 378 | $174K |
| Vision | VISION SERVICE PLAN | 381 | $42K |
| Life insurance | STANDARD INSURANCE COMPANY | 364 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $14K |
| Other | STANDARD INSURANCE COMPANY | 364 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.