| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $44K | — | $44K | 2.03% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $11K | — | $11K | 0.50% |
| IMA, INC.3 Filed as: DIVERSIFIED INSURANCE IMA INC CO | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 14.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 18.20% |
| 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 | $5K | $393 | $6K | 8.48% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $761 | — | $761 | 1.10% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 19.89% |
| 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 | $6K | $303 | $7K | 12.61% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.36% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62 | $62 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $3K | $150 | $3K | 9.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $400 | — | $400 | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $2K | $156 | $2K | 9.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $235 | — | $235 | 1.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $2K | $145 | $2K | 10.29% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $214 | — | $214 | 1.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN-PIKE | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | HEALTHIEST YOU C/O TELADOC HEALTH INC | $1K | — | $1K | 13.77% |
| IMA, INC.3 Filed as: IMA | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | HEALTHIEST YOU C/O TELADOC HEALTH INC | $106 | — | $106 | 1.23% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 305 | $2.2M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 265 | $136K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 265 | $136K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $122K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $69K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.