| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVE STE1900 TULSA, OK 74136 | PRUDENTIAL | $23K | — | $23K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 200 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | PRUDENTIAL | $9K | — | $9K | 1.88% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASISTANCE, USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $127 | $127 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE SUITE 3550 LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 21.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | THE GUARDIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1440 TULSA, OK 74101 | THE GUARDIAN LIFE INSURANCE COMPANY | $512 | — | $512 | 1.92% |
| THE HORTON GROUP3 Filed as: DEANNA HORTON SINK | 1350 S BOULDER STE 1000 TULSA, OK 74119 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.54% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 430 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.06% |
| INSURICA, INC.3 Filed as: INSURICA INC | PO BOX 25928 OKLAHOMA CITY, OK 73125 | STANDARD INSURANCE COMPANY | $51 | — | $51 | 0.38% |
| JOSEPH TIPTON3 Filed as: JOSEPH M HARDGROVE | 6424 KLAMATH RD FORT WORTH, TX 76116 | STANDARD INSURANCE COMPANY | $16 | — | $16 | 0.12% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $27K |
| Life insurance | PRUDENTIAL | 353 | $463K |
| Short-term disability | PRUDENTIAL | 353 | $463K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 353 | $476K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 353 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.