| 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 | CIGNA HEALTH AND LIFE INSURANCE CO | $13K | $73K | $86K | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE CO | $2K | — | $2K | 9.25% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 S 3RD ST., STE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE CO | $219 | — | $219 | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | — | $283 | 9.99% |
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 | 252 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 275 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 275 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE CO | 426 | $24K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 231 | $41K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 234 | $25K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 234 | $33K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 231 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.