| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $26K | $0 | $26K | 1.96% |
| PATRICK J SULLIVAN3 Filed as: PATRICK SULLIVAN | 36 DESERT HIGHLANDS DR. HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 12.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.88% |
| LUZ ELENA SERVI3 | 320 ONYX CREST ST LAS VEGAS, NV 89145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | $0 | $920 | 2.50% |
| STEVE D SERVI3 Filed as: STEVE DAVID SERVI | 6127 S. RAINBOW BLVD. 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $644 | $0 | $644 | 1.75% |
| JOSHUA WEST3 | 123 FIGUEROA APT 539 LOS ANGELES, CA 90012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | $0 | $183 | 0.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE,INC | PO BOX 736061 CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.30% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN MARIE LAPRADE | 1600 WILLIAMS STREET COLUMBIA, CA 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.10% |
| DEBORAH LYNN SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 90012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| SIMON B REYES3 | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 104 | $1.3M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 104 | $1.3M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 104 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 128 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 128 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 128 | $27K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 58 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.