| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE, SUITE 1900 TULSA, OK 74136 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $36K | $36K | 5.16% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PBA | 6100 S. YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $8K | — | $8K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 27.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 S. YALE AVENUE, SUITE 1900 TULSA, OK 74136 | EYEMED VISION CARE | $1K | — | $1K | 11.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $353 | $129 | $482 | 20.46% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $690K |
| Dental | DELTA DENTAL | 108 | $64K |
| Vision | EYEMED VISION CARE | 153 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $2K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.