| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE CO | $13K | — | $13K | 13.14% |
| LISA HUTZOL3 Filed as: LISA EDLIN | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | CONTINENTAL AMERICAN INSURANCE CO | $13K | — | $13K | 13.06% |
| DWAYNE R MARTINEZ3 | 4625 S POLARIS AVE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE CO | $5K | — | $5K | 4.75% |
| DEBORAH A MARINO3 Filed as: DEBORAH MARINO | 6440 SKY POINT DR 140 - 221 LAS VEGAS, NV 89149 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 1.86% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 478 | $53K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 478 | $19K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 478 | $56K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE CO | 478 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.