| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $423K | — | $423K | 9.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 W. CHARLESTON BLVD. SUITE 200 LAS VEGAS, NC 89135 | ALPHA DENTAL OF NEVADA, INC. | $29K | — | $29K | 4.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183K | — | $183K | 33.71% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 3.82% |
| WESTBROOK BENEFITS INC3 Filed as: WESTBROOK BENEFITS, INC. | 1313 WOODMORE ST. LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| HELEN MENDEZ3 Filed as: HELEN L MENDEZ | 2175 TIMESCAPE COURT LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| TOM KOCH3 Filed as: TOM L KOCH | 695 ORCHARD COURSE DR LAS VEGAS, NV 89148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | — | $920 | 0.17% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | — | $920 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | ADMIN, LLC PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $418 | — | $418 | 0.08% |
| JOSHUA WEST3 | 10695 DEAN MARTIN DR. APT 1161 LAS VEGAS, NV 89141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LUZ ELENA SERVI3 | 2349 SALEROSO DR ROWLAND HEIGHTS, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 2603 W. CHARLESTON RD. LAS VEGAS, NV 89102 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY OF AMER | $2K | — | $2K | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC. | 10000 W. CHARLESTON BLVD. SUITE 200 LAS VEGAS, NC 89135 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 18.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. SUITE 200 LAS VEGAS, NC 89135 | LEGAL ACCESS CONSULTING, LLC | $14K | — | $14K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 11.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 2603 W. CHARLESTON RD. LAS VEGAS, NV 89102 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 4,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE STOP LOSS-UNITED HEALTH | 4,284 | $4.2M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 8,919 | $3.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY OF AMER | 10,376 | $442K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,085 | $4.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,085 | $4.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,085 | $4.7M |
| Other(8 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,085 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,376 | — |
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.