| 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 | $97K | $35K | $132K | 16.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $23K | $0 | $23K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $875 | $19K | 5.66% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $6K | $16K | 4.96% |
| MJ INSURANCE3 Filed as: JORGE DUENAS AND VARIOUS AGENTS | 6840 CACTUS THRUSH DRIVE EL PASO, TX 79911 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.18% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.14% |
| JACOB CAMERON WINSTON3 | 12 LURA PLACE HOT SPRINGS, AR 71913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $85 | $2K | 0.63% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 0.59% |
| JANE S WHICKER3 Filed as: JANE S. WHICKER | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $895 | $0 | $895 | 0.27% |
| MJ INSURANCE3 Filed as: JANE S. WHICKER AND VARIOUS AGENTS | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $99 | $697 | 0.21% |
| MJ INSURANCE3 Filed as: WILLIAM STAEDKE AND VARIOUS AGENTS | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $445 | $60 | $505 | 0.15% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | $24 | $279 | 0.08% |
| JENNIFER GRIGGS3 | 101 JULIE LANE BRINKLEY, AR 72021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $59 | $235 | 0.07% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $1 | $82 | 0.02% |
| 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 | $32 | $4 | $36 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $28K | $0 | $28K | 10.84% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.54% |
| PEDEN EMPLOYEE BENEFITS INC3 Filed as: PEDEN EMPLOYEE BENEFITS | 713 GLENRIDGE DRIVE EDMOND, OK 73013 | UNIFIED LIFE INSURANCE COMPANY | $900 | — | $900 | 0.81% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.70% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | $0 | $163 | 1.45% |
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 | DELTA DENTAL | 1,276 | $676K |
| Vision | VISION SERVICE PLAN | 1,161 | $260K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,030 | $916K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,030 | $806K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,030 | $806K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,030 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,030 | — |
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.