| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE SUITE 3550 LITTLE ROCK, AR 72201 | GUARDIAN | $15K | $7K | $22K | 15.99% |
| MICHEAL MULLEN3 | 2315 S IRVINGTON AVE TULSA, OK 74114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 21.78% |
| DIANNA S ROBERTSON3 Filed as: DIANNA ROBERTSON | 7421 NW 105TH ST OKLAHOMA CITY, OK 73162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $502 | — | $502 | 1.40% |
| MICHAEL DUNN MULLEN3 Filed as: MICHAEL D MULLEN (AGT. NO. 26AJE) | 5118 EAST 22ND PLACE TULSA, OK 74114 | 5STAR LIFE INSURANCE COMPANY | $855 | — | $855 | 14.97% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO, INC. | 209 | $2K |
| Dental | GUARDIAN | 175 | $139K |
| Vision | GUARDIAN | 175 | $139K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 175 | $144K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 85 | $36K |
| Long-term disability | GUARDIAN | 175 | $139K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 209 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.