| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWY SUITE 201 LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA | $347K | $195K | $542K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N MICHIGAN AVE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $168K | — | $168K | 1.50% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | PO BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $100K | $100K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $181K | $181K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $139K | — | $139K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59K | $59K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $27 | $45K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO ADVISORS LLC | PO BOX 2700 WORCESTER, MA 016132700 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $27 | $24K | 3.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.33% |
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 | 46,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 408 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,445 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | WESTERN HEALTH ADVANTAGE | 17,883 | $200.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,275 | $1.1M |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,683 | $271K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 47,351 | $3.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 45,806 | $11.2M |
| Prescription drug(3 contracts, 3 carriers) | BLUE SHIELD OF CALIFORNIA | 7,792 | $69.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 75,954 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75,954 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.