| 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 | $514K | — | $514K | 1.24% |
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWAY SUITE 201 LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA | — | $308K | $308K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSHA & MCLENNAN AGENCY | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $414K | $414K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $384K | $384K | 7.81% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 0.24% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 956707985 | VISION SERVICE PLAN | — | $14K | $14K | 9.00% |
| VISION SERVICE PLAN3 | — | VISION SERVICE PLAN | — | $2K | $2K | 9.00% |
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 | 54,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 467 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,556 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58,867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | ANTHEM BLUE CROSS | 18,021 | $529.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,785 | $1.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,719 | $187K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 67,095 | $17.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54,414 | $18.1M |
| Prescription drug(8 contracts, 4 carriers) | ANTHEM BLUE CROSS | 18,021 | $529.5M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 67,095 | $17.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,095 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.