| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN-PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | UNITEDHEALTHCARE INSURANCE CO | $72K | — | $72K | 5.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | STANDARD INSURANCE CO | $4K | — | $4K | 6.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | VISION SERVICE PLAN | $2K | — | $2K | 4.31% |
| PATRICK J SULLIVAN3 Filed as: PATRICK SULLIVAN | 36 DESERT HIGHLANDS DR HENDERSON, NV 89052 | AFLAC | $836 | — | $836 | 6.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC | 2603 W CHARLESTON LAS VEGAS, NV 89102 | AFLAC | $781 | $24 | $805 | 5.78% |
| BETH FOSTER3 | 10604 WHITTINGHAM CT LAS VEGAS, NV 89144 | AFLAC | $491 | $177 | $668 | 4.80% |
| WESTBROOK BENEFITS INC3 Filed as: WESTBROOK BENEFITS, INC | 1313 WOODMORE ST LAS VEGAS, NV 89144 | AFLAC | $336 | — | $336 | 2.41% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $257 | — | $257 | 1.85% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP, LLC | PO BOX 80792 LAS VEGAS, NV 89180 | AFLAC | $249 | — | $249 | 1.79% |
| VALERIE S. LEWIS3 Filed as: VALERIE LEWIS | 6127 S RAINBOW BLVD, STE 110 LAS VEGAS, NV 89118 | AFLAC | $123 | $35 | $158 | 1.13% |
| MARTIN J LEWIS3 Filed as: MARTIN LEWIS | PO BOX 80792 LAS VEGAS, NV 89180 | AFLAC | $103 | — | $103 | 0.74% |
| MICHAEL C WALKER3 Filed as: MICHAEL IVES | 2685 S RAINBOW BLVD, STE 100 LAS VEGAS, NV 89146 | AFLAC | $57 | $35 | $92 | 0.66% |
| TOM KOCH3 | 34 TAMARRON CLIFFS ST LAS VEGAS, NV 89148 | AFLAC | $71 | — | $71 | 0.51% |
| JOSHUA J CONTRERAS3 Filed as: JOSHUA CONTRERAS | 3921 COUNTER WAY NORTH LAS VEGAS, NV 89032 | AFLAC | $50 | — | $50 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $45 | — | $45 | 0.32% |
| MARISOL RODRIGUEZ3 | 4411 SOPHIA WAY NORTH LAS VEGAS, NV 89032 | AFLAC | $13 | — | $13 | 0.09% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $11 | — | $11 | 0.08% |
| ARBOR CONSULTING INC3 Filed as: ARBOR CONSULTING, INC | 1313 WOODMORE ST LAS VEGAS, NV 89144 | AFLAC | $9 | — | $9 | 0.06% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $8 | — | $8 | 0.06% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 751 HEBRON PARKWAY, STE 220 LEWISVILLE, TX 75057 | AFLAC | $7 | — | $7 | 0.05% |
| VICTORIA KAMMER3 | 5416 LA PATERA LN LAS VEGAS, NV 89149 | AFLAC | $2 | — | $2 | 0.01% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY RD, STE 150 CARLSBAD, CA 92011 | AFLAC | $1 | — | $1 | 0.01% |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE CO | 1,088 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE CO | 1,088 | $1.3M |
| Vision | VISION SERVICE PLAN | 435 | $36K |
| Life insurance | STANDARD INSURANCE CO | 574 | $57K |
| Short-term disability | STANDARD INSURANCE CO | 574 | $57K |
| Long-term disability | STANDARD INSURANCE CO | 574 | $57K |
| Other | AFLAC | 53 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.