| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN TULSA, OK 74115 | BLUECROSS BLUESHIELD OF OKLAHOMA | $51K | $1K | $52K | 5.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $959 | $0 | $959 | 6.03% |
| LEANN RENEE BRUMLEY3 | 1524 TWISTLEAF ROAD ARGYLE, TX 76226 | AFLAC | $784 | $44 | $828 | 6.35% |
| WILMA GALE JOHNSON3 | 1821 NORTH LAKE FOREST DRIVE SUITE 700-226 MCKINNEY, TX 75071 | AFLAC | $446 | $10 | $456 | 3.50% |
| BARBARA L DAVIES3 Filed as: BARBARA L. DAVIES | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $185 | $0 | $185 | 1.42% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | AFLAC | $116 | $0 | $116 | 0.89% |
| GUSTAVO ARRIAGA II3 | 320 WEST CORK TREET DRIVE ORANGE, CA 92865 | AFLAC | $93 | $10 | $103 | 0.79% |
| CRAIG S DAVIES3 Filed as: CRAIG S. DAVIES AND OTHER AGENTS | 531 SANDY LANE FLOWER MOUND, TX 75022 | AFLAC | $49 | $0 | $49 | 0.38% |
| H PATRICK BRUMLEY3 Filed as: H. PATRICK BRUMLEY | 1524 TWISTLEAF ROAD ARGYLE, TX 76226 | AFLAC | $43 | $0 | $43 | 0.33% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 204 | $1.0M |
| Vision | VISION SERVICE PLAN | 98 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $50K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $50K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 204 | $1.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.