| 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 | $228K | $0 | $228K | 12.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR, SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $25K | $25K | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $24K | $0 | $24K | 3.42% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $17K | $33K | 9.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 6.14% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE AND OTHER AGENTS | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $27 | $4K | 1.10% |
| THE FRANCIS GROUP LLC3 | 403 NORTH STREET BENTON, AR 72015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 0.70% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.65% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 0.58% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $831 | $34 | $865 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $31K | $0 | $31K | 9.89% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.49% |
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 | 557 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,557 | $702K |
| Vision | VISION SERVICE PLAN | 1,309 | $317K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $1.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $1.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $1.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 620 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,557 | — |
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.