| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN TULSA, OK 74115 | BLUECROSS BLUESHIELD OF OKLAHOMA | $53K | $1K | $54K | 5.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $984 | $0 | $984 | 5.96% |
| LEANN RENEE BRUMLEY3 | 1524 TWISTLEAF ROAD ARGYLE, TX 76226 | AFLAC | $895 | $0 | $895 | 6.23% |
| WILMA GALE JOHNSON3 | 1821 NORTH LAKE FOREST DRIVE SUITE 700-226 MCKINNEY, TX 75071 | AFLAC | $477 | $0 | $477 | 3.32% |
| BARBARA L DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $180 | $0 | $180 | 1.25% |
| DAVID M COUGHLIN3 | 1400 SUN COPPER DRIVE LAS VEGAS, NV 89117 | AFLAC | $96 | $0 | $96 | 0.67% |
| GUSTAVO ARRIAGA II3 | 320 WEST CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $91 | $0 | $91 | 0.63% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT S. COOPER AND OTHER AGENTS | PO BOX 609 SANGER, TX 76266 | AFLAC | $91 | $0 | $91 | 0.63% |
| H PATRICK BRUMLEY3 | 1524 TWISTLEAK ROAD ARGYLE, TX 76226 | AFLAC | $47 | $0 | $47 | 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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 217 | $1.1M |
| Vision | VISION SERVICE PLAN | 104 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $56K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 217 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.