| 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 | PROMINENCE HEALTH PLAN | $72K | — | $72K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | PREMIER ACCESS INSURANCE COMPANY | $12K | — | $12K | 7.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 18.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $10K | 19.12% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $746 | $746 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON LAS VEGAS, NV 89102 | EYE MED | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $819 | $4K | 19.11% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $299 | $299 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $479 | $2K | 19.20% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $171 | $171 | 1.50% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 680 | $1.8M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 765 | $163K |
| Vision | EYE MED | 700 | $35K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $107K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $50K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $20K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.