| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVE STE1900 TULSA, OK 74136 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.91% |
| IMG5 | 2960 NORTH MERIDIAN STREET INIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $82 | $82 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $6K | — | $6K | 9.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTNL MIDWEST LTD | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 19.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $284 | $284 | 0.60% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.25% |
| THE HORTON GROUP3 Filed as: DEANNA HORTON SINK | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.96% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 320 | $56K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 431 | $325K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 431 | $325K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 431 | $351K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 431 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.