| 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 | $375K | $229K | $604K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N MICHIGAN AVE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $197K | — | $197K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO ADVISORS LLC | PO BOX 2700 WORCESTER, MA 016132700 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $57 | $16K | 1.57% |
| 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 | $2K | $1K | $3K | 0.30% |
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 | 47,327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 616 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,283 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 50,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 18,541 | $234.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,368 | $1.2M |
| Vision(3 contracts) | VISION SERVICE PLAN | 42,267 | $7.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 46,864 | $12.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 8,063 | $88.6M |
| Other | BLUE CROSS OF CALIFORNIA | 0 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,864 | — |
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.