| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8311 WEST SUNSET ROAD, SUITE 120 LAS VEGAS, NV 89113 | SIERRA HEALTH PLAN | $38K | $14K | $52K | 2.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | UNKNOWN LAS VEGAS, NV 89148 | SIERRA HEALTH PLAN | $36K | $13K | $49K | 2.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 10000 WEST CHARLESTON BOULEVARD SUITE 20 LAS VEGAS, NV 89135 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $12K | $28K | 5.77% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.94% |
| PATRICK J SULLIVAN3 Filed as: PATRICK J. SULLIVAN | 30 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 10000 WEST CHARLESTON BOULEVARD SUITE 200 LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.73% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.71% |
| JOSHUA WEST3 | 123 FIGUEROA, APARTMENT 539 LOS ANGELES, CA 90012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $738 | $0 | $738 | 1.09% |
| STEVE D SERVI3 Filed as: STEVE DAVID SERVI | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $723 | $0 | $723 | 1.07% |
| LUZ ELENA SERVI3 | 320 ONYX CREST STREET LAS VEGAS, NV 89145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $475 | $0 | $475 | 0.70% |
| KEVIN KARES3 Filed as: KEVIN S. KARES | 208 TURKEY CREEK WAY HENDERON, NV 89074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | SIERRA HEALTH PLAN | 352 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $481K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $481K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $481K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $481K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $481K |
| Prescription drug | SIERRA HEALTH PLAN | 352 | $2.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.