| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $27K | $11K | $38K | 4.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $7K | $7K | 8.69% |
| JOHN ADAMS3 | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $2K | $6K | 7.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $816 | $6K | 14.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 8.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $503 | $6K | 21.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN | 1933 STATE ROUITE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 8.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 10000 W CHARLESTON BLVD SUITE 200 LAS VEGAS, NV 891351004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.42% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.42% |
| LUZ ELENA SERVI3 | 320 ONYX CREST ST LAS VEGAS, NV 891458710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $931 | $0 | $931 | 4.64% |
| JOSHUA WEST3 | JOSHUA WEST LOS ANGELES, CA 90012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | $0 | $348 | 1.73% |
| STEVE D SERVI3 Filed as: STEVE DAVID SERVI | 6127 S RAINBOW BLVD LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | $0 | $302 | 1.50% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | $0 | $115 | 0.57% |
| LUZ ELENA SERVI3 | 320 ONYX CREST ST LAS VEGAS, NV 891458710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.31% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP MIDWEST, LLC | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.09% |
| DEBORAH LYNN SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $483 | $91 | $574 | 11.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN | 1933 STATE ROUITE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $418 | $418 | 8.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | LEGAL PLANS, USA | $581 | $0 | $581 | 14.98% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 157 | $901K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 147 | $79K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 147 | $79K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $43K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $43K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $31K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 157 | $901K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 35 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.