| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $6K | $64K | 10.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $29K | $29K | 5.00% |
| 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 | $16K | $3K | $20K | 5.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 5.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | ALPHA DENTAL OF NEVADA, INC. | $6K | — | $6K | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $15K | $906 | $16K | 15.92% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $10K | — | $10K | 10.37% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | — | $1K | $1K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $13K | $827 | $14K | 15.94% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $9K | — | $9K | 10.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $10K | $592 | $10K | 15.96% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | — | $718 | $718 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | DELTA DENTAL INSURANCE COMPANY | $48K | — | $48K | — |
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 | 2,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL OF NEVADA, INC. | 2,522 | $130K |
| Vision | EYEMED VISION CARE | 3,070 | $215K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,112 | $328K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $584K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $584K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,719 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,719 | — |
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.