| 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 89135 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $32K | — | $32K | 2.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 W. CHARLESTON BLVD STE 200 LAS VEGAS, NV 89135 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 W. CHARLESTON BLVD. STE 200 LAS VEGAS, NV 89135 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PATRICK J SULLIVAN3 Filed as: PATRICK J. SULLIVAN | 36 DESERT HIGHLAND DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 42.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 W. CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 31.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.15% |
| LUZ ELENA SERVI3 Filed as: LUZ E. SERVI | 320 ONYX CREST ST. LAS VEGAS, NV 89145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.45% |
| STEVE D SERVI3 Filed as: STEVE D. SERVI | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $964 | — | $964 | 5.38% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN | 230 BRIGGS RANCH DR. FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.30% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP, LLC | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.15% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN MARIE LAPRADE | 1600 WILLIAMS STREET COLUMBIA, CA 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.15% |
| SIMON B REYES3 Filed as: SIMON B. REYES | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE R. MARTINEZ | 597 W 475 N CLEARFIELD, UT 84015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| SAHAR QABAZARD3 Filed as: SAHAR QABAZARD AND OTHER AGENTS | 3756 DEER TRAIL CT DANVILLE, CA 94506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 169 | $1.1M |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 169 | $1.1M |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 169 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 124 | $44K |
| Short-term disability | STANDARD INSURANCE COMPANY | 124 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 124 | $41K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 169 | $1.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 124 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.