| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $12 | $12 | 0.00% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY KANSAS CITY, MO 64114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $6 | $6 | 0.00% |
| MARK J. AVERY3 Filed as: MARK AVERY | UNKNOWN KANSAS CITY, MO 64114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $6 | $6 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $9K | $46K | 15.79% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY KANSAS CITY, MO 64114 | DELTA DENTAL | $21K | $0 | $21K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.15% |
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 | 780 | 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) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 678 | $3.7M |
| Dental | DELTA DENTAL | 312 | $260K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 618 | $54K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,833 | $290K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,833 | $290K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,833 | $290K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 678 | $3.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,833 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,833 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.