| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | HEALTH PLAN OF NEVADA | $34K | $11K | $44K | 5.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 11.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 9.33% |
| WESTBROOK BENEFITS INC3 | 2685 S RAINBOW BLVD SUITE 100 LAS VEGAS, NV 891465188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.37% |
| TOM LEE KOCH3 | 695 ORCHARD COURSE DR LAS VEGAS, NV 891484481 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.37% |
| ARBOR CONSULTING INC3 | 2685 S RAINBOW BLVD SUITE 100 LAS VEGAS, NV 891465188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.60% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DR NE SUITE J RIO RANCHO, NM 871447527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $953 | $0 | $953 | 1.19% |
| DAVID M COUGHLIN3 Filed as: DAVID MARTIN COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $584 | $0 | $584 | 0.73% |
| STEVE D SERVI3 Filed as: STEVE DAVID SERVI | 6127 S RAINBOW BLVD LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | $0 | $528 | 0.66% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 124 | $842K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 149 | $91K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 149 | $91K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 149 | $91K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 77 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.