| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | ANTHEM LIFE INSURANCE COMPANY | $31K | — | $31K | 3.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 45.62% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 100.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM LIFE INSURANCE COMPANY | 245 | $864K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 155 | $64K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 144 | $14K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 245 | $864K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 215 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.