| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, IMC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $102K | — | $102K | 12.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 13.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $506 | $7K | 10.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $530 | $10K | 15.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $3K | $157 | $3K | 10.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $697 | — | $697 | 2.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $2K | $200 | $2K | 12.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $520 | — | $520 | 2.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $2K | $192 | $2K | 12.30% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $451 | — | $451 | 2.44% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 281 | $792K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 269 | $135K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 269 | $135K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $132K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $67K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.