| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 Filed as: FRASER INSURANCE INC. | 7633 E. 63RD PL SUITE 300 TULSA, OK 74133 | BLUECROSS BLUESHIELD OF OKLAHOMA | $30K | $545 | $30K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | BLUECROSS BLUESHIELD OF OKLAHOMA | $6K | — | $6K | 0.84% |
| FRASER INSURANCE INC3 Filed as: FRASER INSURANCE INC. | 7633 E. 63RD PL SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $140 | $10K | 10.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.79% |
| FRASER INSURANCE INC3 Filed as: FRASER INSURANCE INC. | 7633 E. 63RD PL SUITE 300 TULSA, OK 74133 | DELTA DENTAL | $4K | — | $4K | 6.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | DELTA DENTAL | $1K | — | $1K | 1.99% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITYCARE HMO | 150 | $1.5M |
| Dental | DELTA DENTAL | 108 | $68K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $92K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $92K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 150 | $714K |
| Other(2 contracts, 2 carriers) | COMMUNITYCARE HMO | 221 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.