| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102K | $0 | $102K | 11.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $606 | $606 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $34K | $0 | $34K | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $23K | $0 | $23K | 7.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55K | $7K | $61K | 29.22% |
| JACOB CAMERON WINSTON3 Filed as: JACOB C. WINSTON AND OTHER AGENTS | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $14K | $41K | 19.46% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $18K | $31K | 14.61% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 6.43% |
| JANE S WHICKER3 Filed as: JANE S. WHICKER | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 5.77% |
| RON ROSENSTEIN3 | 3711 NORTH STANTON STREET EL PASO, TX 79902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 4.02% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $5K | $8K | 3.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $421 | $421 | 0.21% |
| PEDEN EMPLOYEE BENEFITS INC3 Filed as: PEDEN EMPLOYEE BENEFITS | 713 GLENRIDGE DRIVE EDMOND, OK 73013 | UNIFIED LIFE INSURANCE COMPANY | $800 | $0 | $800 | 0.69% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $13K | $22K | 55.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 29.42% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $968 | $3K | 6.47% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $314 | $2K | 3.81% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $468 | $790 | $1K | 3.18% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $513 | $627 | $1K | 2.88% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $377 | $290 | $667 | 1.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $732 | $7K | 29.44% |
| GINA LEIGH SCHAEF3 Filed as: GINA LEIGH SCHAEF AND VARIOUS AGENT | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 19.40% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 14.99% |
| JANE S WHICKER3 Filed as: JANE S. WHICKER | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.68% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $917 | $560 | $1K | 6.44% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $530 | $844 | 3.68% |
| JACOB CAMERON WINSTON3 Filed as: JACOB C. WINSTON | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | $367 | $667 | 2.91% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $7K | $12K | 54.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $670 | $6K | 29.38% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $837 | $510 | $1K | 6.40% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $630 | $166 | $796 | 3.78% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $251 | $424 | $675 | 3.21% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $271 | $331 | $602 | 2.86% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $160 | $367 | 1.74% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $6K | $10K | 57.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $625 | $6K | 32.48% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $785 | $479 | $1K | 7.12% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $766 | $1K | 6.88% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $589 | $156 | $745 | 4.20% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | $311 | $566 | 3.19% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $163 | $374 | 2.11% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | $0 | $482 | 3.67% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH AND ASSOCIATES | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | $0 | $189 | 1.44% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.57% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 58.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $367 | $3K | 32.74% |
| MJ INSURANCE3 Filed as: KELLY W. PUGH AND VARIOUS AGENTS | 7367 SOUTH 286TH EAST AVENUE BROKERN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $753 | $366 | $1K | 10.82% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $302 | $481 | 4.65% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $184 | $334 | 3.23% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $116 | $266 | 2.57% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $41 | $171 | 1.65% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $4K | 42.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $284 | $3K | 29.21% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $648 | $932 | $2K | 17.64% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $218 | $576 | 6.43% |
| MJ INSURANCE3 Filed as: KELLY W. PUGH AND VARIOUS AGENTS | 7367 SOUTH 286TH EAST AVENUE BROKERN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $93 | $330 | 3.69% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $142 | $258 | 2.88% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $32 | $133 | 1.49% |
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 | 1,893 | 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) | 1,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,450 | $872K |
| Vision | VISION SERVICE PLAN | 1,114 | $327K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $890K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $890K |
| Other(9 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 434 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,450 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.