| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W. SUNSET #150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $27K | — | $27K | 3.67% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $16K | — | $16K | 5.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN | — | STANDARD LIFE AND ACCIDENT | $6K | — | $6K | 2.00% |
| 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 | $9K | — | $9K | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA | 8337 W. SUNSET RD, STE 150 LAS VEGAS, NV 89113 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.83% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 13.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD SUITE 200 LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET #150 LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| LUZ ELENA SERVI3 Filed as: LUZ E SERVI | 320 ONYX CREST ST LAS VEGAS, NV 89145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| STEVE D SERVI3 | 320 ONYX CREST ST LAS VEGAS, NV 89145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.60% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 293 | $723K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 178 | $193K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 178 | $193K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 178 | $193K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 293 | $723K |
| Other(3 contracts, 3 carriers) | STANDARD LIFE AND ACCIDENT | 281 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
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.