| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $26K | $8K | $34K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. LAS VEGAS, NV 89102 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 22.23% |
| WESTBROOK BENEFITS INC3 Filed as: WESTBROOK BENEFITS, INC. | 2685 S. RAINBOW BLVD STE 100 LAS VEGAS, NV 891465188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.40% |
| TOM LEE KOCH3 | 695 ORCHARD COURSE DR. LAS VEGAS, NV 891484481 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.76% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 100 SUN AVE NE STE 650 ALBUGUERGUE, NM 871094670 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.11% |
| ARBOR CONSULTING INC3 Filed as: ARBOR CONSULTING, INC. | 2685 S. RAINBOW BLVD STE 100 LAS VEGAS, NV 891465188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.85% |
| DAVID M COUGHLIN3 Filed as: DAVID MARTIN COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $832 | — | $832 | 3.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. LAS VEGAS, NV 89102 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| DULCINEA M. RONGAVILLA3 | 2603 W. CHARLESTON RD. LAS VEGAS, NV 89102 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 111 | $643K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 224 | $67K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 205 | $14K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 117 | $14K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 117 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.