| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 2603 W. CHARLESTON BLVD LAS VEGAS, NV 89102 | PROMINENCE HEALTH PLAN | $25K | — | $25K | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 5.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEV | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $9K | $21K | 3.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $234 | $89 | $323 | 7.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110 | $139 | $249 | 10.12% |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 756 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $599K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $599K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $599K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $599K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $599K |
| Prescription drug | PROMINENCE HEALTH PLAN | 756 | $3.3M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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.