| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLEST BLVD. SUITE 200 LAS VEGAS, NV 89135 | HEALTH PLAN OF NEVADA | $32K | $25K | $56K | 7.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLEST BLVD. SUITE 200 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $14 | $6K | 8.18% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $719 | $4K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL S SARAZIN | — | AFLAC | $856 | $152 | $1K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | — | AFLAC | $597 | $0 | $597 | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | — | AFLAC | $328 | $26 | $354 | 1.88% |
| DAVID M COUGHLIN3 | — | AFLAC | $140 | $26 | $166 | 0.88% |
| STEVEN D. SERVI3 Filed as: STEVEN D SERVI | — | AFLAC | $131 | $1 | $132 | 0.70% |
| ASSUREDPARTNERS3 Filed as: JENNIFER E TOFOYA | — | AFLAC | $83 | $0 | $83 | 0.44% |
| ALICE RYAN STRIBLING3 Filed as: ALICE YOUNG | — | AFLAC | $37 | $0 | $37 | 0.20% |
| MOLOKAI MYLES HAND3 | — | AFLAC | $26 | $0 | $26 | 0.14% |
| LAURENCE W KEMP3 Filed as: LAURENCE E RAY | — | AFLAC | $24 | $1 | $25 | 0.13% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | — | AFLAC | $20 | $0 | $20 | 0.11% |
| MORRISSEY INSURANCE SERVICES3 Filed as: MORRISSEY INSURANCE | — | AFLAC | $20 | $0 | $20 | 0.11% |
| MICHAEL C WALKER3 Filed as: MICHAEL W LABBE | — | AFLAC | $18 | $0 | $18 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | — | AFLAC | $18 | $0 | $18 | 0.10% |
| COUGHLIN INSURANCE AGENCY3 Filed as: KD COUGHLIN AND ASSOC INS SVC PRO | — | AFLAC | $14 | $0 | $14 | 0.07% |
| MARGUERITE E LEMMON-RINEHART3 | — | AFLAC | $11 | $0 | $11 | 0.06% |
| DWAYNE R MARTINEZ3 | — | AFLAC | $9 | $0 | $9 | 0.05% |
| SUSAN MAE DANIEL3 Filed as: SUSAN BROWNING | — | AFLAC | $8 | $0 | $8 | 0.04% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | — | AFLAC | $3 | $0 | $3 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | — | AFLAC | $2 | $0 | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN S NEERY | — | AFLAC | $1 | $0 | $1 | 0.01% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | — | AFLAC | $1 | $0 | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLEST BLVD. SUITE 200 LAS VEGAS, NV 89135 | BEHAVIORAL HEALTHCARE OPTIONS, INC. | $0 | $0 | $0 | 0.00% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 122 | $788K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $75K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $75K |
| Other(2 contracts, 2 carriers) | AFLAC | 145 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.