| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $27K | $8K | $35K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | GUARDIAN | $8K | $2K | $9K | 8.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | SUN LIFE ASSURANCE CO OF CANADA | $2K | — | $2K | 9.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 12.20% |
| PATRICK J SULLIVAN3 Filed as: PATRICK SULLIVAN | 36 DESERT HIGHLAND S DR HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 10.45% |
| SAHAR QABAZARD3 | 541 ARTOLA ST LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 3.61% |
| MARTIN J LEWIS3 Filed as: MARTIN LEWIS | PO BOX 80792 LAS VEGAS, NV 89180 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.14% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 151 | $835K |
| Dental | GUARDIAN | 155 | $108K |
| Vision | GUARDIAN | 155 | $108K |
| Life insurance | GUARDIAN | 155 | $108K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 148 | $18K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 148 | $18K |
| Prescription drug | HEALTH PLAN OF NEVADA | 151 | $835K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 155 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.