| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $84K | $21K | $105K | 3.72% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTH HIGHLANDS PARKWAY #201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.06% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTH HIGHLANDS PARKWAY #201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.17% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTH HIGHLANDS PARKWAY #201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.07% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTH HIGHLANDS PARKWAY #201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 32.57% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS. SRVCS., INC. | 11920 SOUTH HIGHLANDS PARKWAY SUITE 201 LAS VEGAS, NV 89141 | VISION SERVICE PLAN | $1K | — | $1K | 4.96% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INS SERVICES INC | 11920 SOUTH HIGHLANDS PARKWAY #201 LAS VEGAS, NV 89141 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.34% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 163 | $2.8M |
| Dental | STANDARD INSURANCE COMPANY | 324 | $172K |
| Vision | VISION SERVICE PLAN | 300 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 389 | $53K |
| Short-term disability | STANDARD INSURANCE COMPANY | 369 | $86K |
| Long-term disability | STANDARD INSURANCE COMPANY | 19 | $19K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 163 | $2.8M |
| Other | STANDARD INSURANCE COMPANY | 389 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.