| 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 | $45K | $10K | $55K | 4.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 12.87% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS PKWY COLUMBIA, SC 29209 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 5.10% |
| JGG INSURANCE SERVICES LLC3 Filed as: JGG INSURANCE SVCS LLC | 175 N GIBSON RD HENDERSON, NV 89104 | LINCOLN NATIONAL LIFE INSURANCE CO | $612 | — | $612 | 2.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INS CO | $1K | — | $1K | 11.29% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS PKWY COLUMBIA, SC 29209 | LINCOLN NATIONAL LIFE INSURANCE CO | $950 | — | $950 | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $613 | — | $613 | 5.90% |
| JGG INSURANCE SERVICES LLC3 Filed as: JGG INSURANCE SVCS LLC | 175 N GIBSON RD HENDERSON, NV 89104 | LINCOLN NATIONAL LIFE INSURANCE CO | $246 | — | $246 | 2.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | 8311 W SUNSET RD., STE 120 LAS VEGAS, NV 89119 | LINCOLN NATIONAL LIFE INSURANCE CO | $159 | — | $159 | 1.53% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 266 | $1.2M |
| Dental | HEALTH PLAN OF NEVADA | 266 | $1.2M |
| Vision | HEALTH PLAN OF NEVADA | 266 | $1.2M |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 607 | $11K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 111 | $36K |
| Prescription drug | HEALTH PLAN OF NEVADA | 266 | $1.2M |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 607 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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."
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.