| 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 | AMERITAS LIFE INSURANCE CO | $4K | — | $4K | 2.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $348 | $5K | 10.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | $248 | $4K | 10.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | HM LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $85 | $2K | 15.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE CO | $1K | — | $1K | 14.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE CO | $788 | $49 | $837 | 15.94% |
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 | 201 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CO | 464 | $135K |
| Vision | HM LIFE INSURANCE CO | 214 | $17K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 219 | $36K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 219 | $51K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 11 | $5K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA, SC | 201 | $342K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 219 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.