| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVE, STE. 1900 TULSA, OK 74136 | BLUECROSS BLUESHIELD OF OKLAHOMA | $88K | — | $88K | 2.56% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND E. AVE STE 110 TULSA, OK 74133 | BLUECROSS BLUESHIELD OF OKLAHOMA | $84K | $1K | $85K | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | DELTA DENTAL | $10K | — | $10K | 5.15% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND E AVE STE 110 TULSA, OK 74133 | DELTA DENTAL | $10K | — | $10K | 4.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.94% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND EAST AVE., STE. 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $505 | $6K | 7.67% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.36% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND EAST AVE., STE. 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $472 | $6K | 8.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.45% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.52% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S. 82ND E. AVENUE, SUITE 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $245 | $2K | 5.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $979 | $979 | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.50% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND EAST AVE., STE. 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $191 | $3K | 10.13% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $755 | $755 | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.06% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND EAST AVE., STE. 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $172 | $3K | 9.50% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $686 | $686 | 2.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.48% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND EAST AVE., STE. 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $169 | $3K | 10.12% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $677 | $677 | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE., STE. 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.89% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND EAST AVE., STE. 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $106 | $1K | 7.71% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD ROAD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $425 | $425 | 2.37% |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 708 | $3.4M |
| Dental | DELTA DENTAL | 366 | $201K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $39K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $101K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $74K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.