| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $140K | — | $140K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE CO | $15K | — | $15K | 11.28% |
| LISA HUTZOL3 Filed as: LISA EDLIN | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | CONTINENTAL AMERICAN INSURANCE CO | $12K | — | $12K | 8.71% |
| DWAYNE R MARTINEZ3 | 4625 S POLARIS AVE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE CO | $4K | — | $4K | 2.98% |
| DEBORAH A MARINO3 Filed as: DEBORAH MARINO | 6440 SKY POINT DR 140 - 221 LAS VEGAS, NV 89149 | CONTINENTAL AMERICAN INSURANCE CO | $426 | — | $426 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $6K | $5K | $11K | 16.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $5K | $3K | $8K | 15.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $2K | $933 | $3K | 14.38% |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $3.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $3.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 361 | $68K |
| Short-term disability | STANDARD INSURANCE COMPANY | 361 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 361 | $50K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE CO | 484 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.