| 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/SIERRA HEALTH & LIFE | $46K | $16K | $62K | 4.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 16.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $249 | $154 | $403 | 16.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $70 | $124 | $194 | 48.62% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY COLUMBIA, SC 29209 | LINCOLN NATIONAL LIFE INSURANCE CO | $7 | — | $7 | 1.75% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | LINCOLN NATIONAL LIFE INSURANCE CO | $3 | — | $3 | 0.75% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 230 | $1.4M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 230 | $1.4M |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 230 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 87 | $28K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 230 | $1.4M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.