| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5314 S YALE AVE STE 900 TULSA, OK 74135 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5314 S YALE AVE SUITE 900 TULSA, OK 74135 | GUARDIAN | $8K | $4K | $13K | 15.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 844501 DALLAS, TX 752844501 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 16253 COLLECTION CENTER DR 40W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $104 | $104 | 0.37% |
| CER INC.3 | 5314 SOUTH YALE SUITE 900 TULSA, OK 74135 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.82% |
| AMERICAN INSURNET AGENCY INC3 Filed as: AMERICAN INSURNET AGENCY, INC. | 644 LINN ST CINCINNATI, OH 45203 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $271 | — | $271 | 1.38% |
| MICHAEL DUNN MULLEN3 Filed as: MICHAEL D MULLEN | 5515 E 35TH ST TULSA, OK 74135 | 5 STAR LIFE INSURANCE COMPANY | $1K | — | $1K | 15.31% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 260 | $967K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 269 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $28K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $35K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 179 | $20K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.