| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | — | $81K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD. LAS VEGAS, NV 89102 | GUARDIAN | $30K | — | $30K | 5.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | GUARDIAN | $20K | — | $20K | 3.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 2000 SOUTH COLORADO BOULEVARD TOWER II, SUITE 900 DENVER, CO 80246 | GUARDIAN | $9K | — | $9K | 1.70% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 32.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD, STE 200 LAS VEGAS, NV 89135 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 7.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 75373 | UNITEDHEALTHCARE INSURANCE COMPANY | $638 | — | $638 | 2.67% |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 630 | $4.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 394 | $560K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 394 | $560K |
| Life insurance | GUARDIAN | 394 | $536K |
| Short-term disability | GUARDIAN | 394 | $536K |
| Long-term disability | GUARDIAN | 394 | $536K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 630 | $4.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 394 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.