| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4.2M | $1.2M | $5.4M | 10117.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | DELTA DENTAL INSURANCE COMPANY | $4.2M | $1.2M | $5.4M | 17065.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | MUTUAL OF OMAHA INSURANCE COMPANY | $4.2M | $1.2M | $5.4M | 24134.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | DELTA DENTAL INSURANCE COMPANY | $4.2M | $1.2M | $5.4M | 33416.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | EYEMED | $4.2M | $1.2M | $5.4M | 49579.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BLVD. SUITE 200 LAS VEGAS, NV 89135 | HEALTH PLAN OF NEVADA | $4.2M | $1.2M | $5.4M | — |
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 | 167 | $0 |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 74 | $48K |
| Vision | EYEMED | 183 | $11K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 210 | $54K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 210 | $54K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 210 | $54K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 100 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.