| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INS. SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | UNITEDHEALTHCARE INSURANCE | $82K | $0 | $82K | 3.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 5314 SOUTH YALE AVENUE, SUITE 900 TULSA, OK 74135 | UNITEDHEALTHCARE INSURANCE | $5K | $0 | $5K | 0.22% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INS. SERVICES PA | 1505 JACKSON AVENUE PASCAGOULA, MA 39567 | UNITEDHEALTHCARE INSURANCE | $0 | $2K | $2K | 0.09% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INS. SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 40 WEST MADISON, 4TH FLOOR TULSA, OK 74135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $680 | $680 | 0.33% |
| CFR, INC.3 | 5314 SOUTH YALE TULSA, OK 74135 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 18.72% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE | 448 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $208K |
| Vision | VISION SERVICE PLAN | 308 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $208K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 168 | $91K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 168 | $91K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE | 448 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.