| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOLMES ORGANISATION3 Filed as: THE HOLMES ORGANISATION INC | PO BOX 1440 TULSA, OK 74101 | AMERICAN FIDELITY ASSURANCE CO | $34K | — | $34K | 8.31% |
| HEALTHCARE SOLUTIONS GROUP, INC.4 Filed as: HEALTHCARE SOLUTIONS GROUP, INC | P O BOX 1309 MUSKOGEE, OK 74402 | AMERICAN FIDELITY ASSURANCE CO | $20K | — | $20K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTNL MIDWEST LTD | 1350 S BOULDER AVE STE 1000 TULSA, OK 74119 | AMERICAN FIDELITY ASSURANCE CO | $7K | — | $7K | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1350 S BOULDER AVE SUITE 1000 TULSA, OK 74119 | PRUDENTIAL | $21K | — | $21K | 75.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | PRUDENTIAL | $8K | — | $8K | 27.42% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $118 | $118 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P O BOX 1440 TULSA, OK 74101 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 30.05% |
| THE HORTON GROUP3 Filed as: DEANNA HORTON SINK | 1350 S BOULDER STE 1000 TULSA, OK 74119 | STANDARD INSURANCE COMPANY | $738 | — | $738 | 6.40% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $652 | — | $652 | 5.66% |
| NORTH AMERICAN INS AG INC3 Filed as: NORTH AMERICAN INS AGENCY INC | PO BOX 25928 OKLAHOMA CITY, OK 73125 | STANDARD INSURANCE COMPANY | $86 | — | $86 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP, INC EIN 73-1478844 NONE | Plan Administrator Service code 14 | P O BOX 1309 MUSKOGEE, OK 74402 | $84K |
| HEALTHCARE HIGHWAYS EIN 27-2072460 NONE | Other services Service code 49 | 6300 FALLWATER TRAIL 120 THE COLONY, TX 75056 | $35K |
| THE HOLMES ORGANIZATION NONE | Insurance brokerage commissions and fees Service code 53 | P O BOX 1440 TULSA, OK 74101 | $8K |
| HSG CONSOLIDATED EIN 73-1478844 NONE | Other services Service code 49 | 2401 CHANDLER ROAD SUITE 300 MUSKOGEE, OK 74403 | $7K |
| PAYER COMPASS EIN 46-2047081 NONE | Other services Service code 49 | 3401 CUSTER ROAD 183 PLANO, TX 75023 | $6K |
| PHIA GROUP EIN 46-1439866 NONE | Claims processing Service code 12 | 163 BAY STATE DR BRAINTREE, MA 02184 | $3K |
| HUB INTERNATIONAL EIN 35-0672425 NONE | Other services Service code 49 | 5314 S YALE AVE 900 TULSA, OK 74135 | $2K |
| SELF FUNDING ACTUARIAL SVC EIN 56-1472476 NONE | Actuarial Service code 11 | 8025 NORTH POINT BLVD SUITE 207 W WNSTON SALEM, NC 27106 | $240 |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE CO | 264 | $404K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 283 | $25K |
| Life insurance(4 contracts) | PRUDENTIAL | 337 | $272K |
| Short-term disability | PRUDENTIAL | 337 | $184K |
| Long-term disability(3 contracts, 2 carriers) | PRUDENTIAL | 337 | $261K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE CO | 264 | $404K |
| Other(5 contracts, 2 carriers) | PRUDENTIAL | 337 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.