| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORGILL/SINGER & ASSOCIATES INC3 | 8360 W SAHARA AVENUE SUITE 110 LAS VEGAAS, NV 89117 | PREMIER ACCESS DENTAL | $133K | — | $133K | 100.00% |
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL/SINGER & ASSOCIATES, INC | 8360 W SAHARA AVENUE SUITE 110 LAS VEGAS, NV 89117 | HM LIFE INSURANCE GROUP | $27K | — | $27K | 100.00% |
| ORGILL/SINGER & ASSOCIATES INC3 | 8360 W SAHARA AVENUE SUITE 110 LAS VEGAS, NV 89117 | SUN LIFE FINANCIAL/ASSURNAT HEALTH | $23K | — | $23K | 100.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | UNUM/PROVIDENT LIFE INSURANCE | $4K | — | $4K | 100.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: ORGILLSINGER & ASSOCIATES, INC | 8360 W SAHARA AVENUE SUITE 110 LAS VEGAS, NV 89117 | PROMINENCE HEALTH CARE | $1.5M | — | $1.5M | — |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH CARE | 457 | $0 |
| Dental | PREMIER ACCESS DENTAL | 509 | $133K |
| Vision | HM LIFE INSURANCE GROUP | 0 | $27K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE FINANCIAL/ASSURNAT HEALTH | 326 | $27K |
| Other(3 contracts, 3 carriers) | SUN LIFE FINANCIAL/ASSURNAT HEALTH | 326 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.