| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142K | $13K | $155K | 11.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $3K | $35K | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $21K | $0 | $21K | 3.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $31K | $0 | $31K | 8.88% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $4K | $36K | 13.42% |
| ZACHARY H.ALICEA AND OTHER AGENTS3 | 7990 ARTCRAFT ROAD APARTMENT 17 EL PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $3K | $25K | 9.33% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $6K | $12K | 4.52% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $104 | $6K | 2.17% |
| JORGE DUENAS3 | 6840 CACTUS THRUSH DRIVE EL PASO, TX 79911 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 1.44% |
| SEAMAN ENTERPRISES INC3 Filed as: SEAMAN ENTERPRISES INC. | 924 LAS AVES PLACE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 1.22% |
| RON ROSENSTEIN3 | 3711 NORTH STANTON STREET EL PASO, TX 79902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $69 | $3K | 0.96% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 14.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $400 | $4K | 9.33% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $755 | $10 | $765 | 1.69% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKER ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $405 | $62 | $467 | 1.03% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $318 | $61 | $379 | 0.84% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $127 | $230 | 0.51% |
| GINIA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $55 | $172 | 0.38% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 30.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $805 | $7K | 18.24% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $769 | $1K | 3.24% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $986 | $21 | $1K | 2.73% |
| MJ INSURANCE3 Filed as: KELLY W. PUGH AND VARIOUS AGENTS | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $650 | $145 | $795 | 2.15% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $126 | $481 | 1.30% |
| GINIA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $110 | $342 | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $245 | $3K | 9.28% |
| THE FRANCIS GROUP LLC3 Filed as: THE FRANCIS GROUP AND OTHER AGENTS | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $256 | $2K | 6.04% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $609 | $380 | $989 | 3.51% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $470 | $6 | $476 | 1.69% |
| JANE S WHICKER3 Filed as: JANE S. WHICKER | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 1.14% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $39 | $240 | 0.85% |
| SEAMAN ENTERPRISES INC3 Filed as: SEAMAN ENTERPRISES INC. | 924 LAS AVES PLACE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $117 | $176 | 0.62% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $927 | $2K | 10.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $114 | $1K | 6.75% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $309 | $3 | $312 | 1.41% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $17 | $155 | 0.70% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKER ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $28 | $153 | 0.69% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $49 | $95 | 0.43% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $6 | $79 | 0.36% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 27.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $326 | $3K | 16.67% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $8 | $423 | 2.54% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH AND OTHER AGENTS | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $79 | $408 | 2.45% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $193 | $301 | 1.80% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $52 | $208 | 1.25% |
| GINIA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $52 | $163 | 0.98% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.84% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH AND ASSOCIATES | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | $0 | $189 | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.30% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $478 | $585 | $1K | 13.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $848 | $104 | $952 | 12.48% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $252 | $280 | $532 | 6.98% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE INC. | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $3 | $159 | 2.08% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKER ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $24 | $101 | 1.32% |
| JACOB CAMERON WINSTON3 | 120 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $16 | $76 | 1.00% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $4 | $35 | 0.46% |
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 | 2,030 | 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) | 2,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL | 1,277 | $626K |
| Vision | VISION SERVICE PLAN | 1,149 | $348K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $1.4M |
| Other(9 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,408 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.