| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W. CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | PRIMECARE ADMINISTRATORS, INC. | $154K | — | $154K | 10.00% |
| 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 | $46K | $9K | $56K | 12.00% |
| 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 | $23K | $8K | $31K | 6.72% |
| 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 | $14K | $7K | $21K | 7.31% |
| 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 | $14K | $6K | $20K | 7.00% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $18K | — | $18K | 20.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $13K | $1K | $15K | 16.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $179 | — | $179 | 0.20% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $14K | — | $14K | 20.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 16.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $3K | — | $3K | 3.94% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $12K | — | $12K | 20.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | UNUM INSURANCE COMPANY | $9K | $921 | $10K | 16.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $110 | — | $110 | 0.18% |
| 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 | $894 | $179 | $1K | 12.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $447 | $358 | $805 | 9.00% |
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 | 2,165 | 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) | 2,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRIMECARE ADMINISTRATORS, INC. | 3,115 | $1.5M |
| Vision | PRIMECARE ADMINISTRATORS, INC. | 3,115 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,165 | $284K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 600 | $465K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 600 | $474K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,969 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,969 | — |
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.