| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $156K | $161K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE CO | $15K | — | $15K | 9.83% |
| LISA HUTZOL3 Filed as: LISA EDLIN | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | CONTINENTAL AMERICAN INSURANCE CO | $13K | — | $13K | 8.81% |
| DWAYNE R MARTINEZ3 | 4625 S POLARIS AVE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE CO | $8K | — | $8K | 5.35% |
| DEBORAH A MARINO3 Filed as: DEBORAH MARINO | 6440 SKY POINT DR 140 - 221 LAS VEGAS, NV 89149 | CONTINENTAL AMERICAN INSURANCE CO | $792 | — | $792 | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $4K | — | $4K | 4.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $2K | $2K | 2.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 8.55% |
| PROFESSIONAL GROUP PLAN INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $645 | $645 | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $1K | — | $1K | 10.96% |
| PROFESSIONAL GROUP PLAN INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $204 | $204 | 2.00% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $3.9M |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 504 | $87K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 559 | $32K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 559 | $9K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE CO | 555 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.