| 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 | HEALTH PLAN OF NEVADA | $8K | $1K | $10K | 0.74% |
| JGG INSURANCE SERVICES LLC3 Filed as: JGG INSURANCE SERVICES | 175 N GIBSON RD HENDERSON, NV 89104 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 9.27% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY COLUMBIA, SC 29202 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 4.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $407 | — | $407 | 1.09% |
| JGG INSURANCE SERVICES LLC3 | 175 N GIBSON RD HENDERSON, NV 89104 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 9.18% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY COLUMBIA, SC 29209 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $444 | — | $444 | 1.23% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS PKWY COLUMBIA, SC 29209 | LINCOLN NATIONAL LIFE INSURANCE CO | $6K | — | $6K | 17.10% |
| JGG INSURANCE SERVICES LLC3 Filed as: JGG INSURANCE SVCS LLC | 175 N GIBSON RD HENDERSON, NV 89104 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 7.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $17 | — | $17 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 6325 S RAUBBIW BLVD, STE 200 LAS VEGAS, NV 89118 | LINCOLN NATIONAL LIFE INSURANCE CO | $11 | — | $11 | 0.03% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS PKWY COLUMBIA, SC 29209 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 17.44% |
| JGG INSURANCE SERVICES LLC3 Filed as: JGG INSURANCE SVCS LLC | 175 N GIBSON RD HENDERSON, NV 89104 | LINCOLN NATIONAL LIFE INSURANCE CO | $963 | — | $963 | 5.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 6325 S RAUBBIW BLVD, STE 200 LAS VEGAS, NV 89118 | LINCOLN NATIONAL LIFE INSURANCE CO | $267 | — | $267 | 1.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $16 | — | $16 | 0.10% |
| JGG INSURANCE SERVICES LLC3 | 175 N GIBSON RD HENDERSON, NV 89014 | LINCOLN NATIONAL LIFE INS CO | $1K | — | $1K | 10.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INS CO | $94 | — | $94 | 0.69% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 375 | $1.3M |
| Dental | HEALTH PLAN OF NEVADA | 375 | $1.3M |
| Vision | HEALTH PLAN OF NEVADA | 375 | $1.3M |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 733 | $14K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 181 | $37K |
| Prescription drug | HEALTH PLAN OF NEVADA | 375 | $1.3M |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 733 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.