| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVE STE1900 TULSA, OK 74136 | PRUDENTIAL | $31K | — | $31K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL | $12K | — | $12K | 3.99% |
| IMG5 | 2960 NORTH MERIDIAN STREET INIANAPOLIS, IN 46208 | PRUDENTIAL | — | $77 | $77 | 0.02% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASISTANCE, USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $12 | $12 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $5K | — | $5K | 9.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTNL MIDWEST LTD | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 31.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $836 | $836 | 2.24% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 21.18% |
| THE HORTON GROUP3 Filed as: DEANNA HORTON SINK | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 20.86% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 293 | $54K |
| Life insurance | PRUDENTIAL | 421 | $312K |
| Short-term disability | PRUDENTIAL | 421 | $312K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 421 | $333K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL | 421 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.