| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5314 SOUTH YALE, SUITE 900 TULSA, OK 74135 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.94% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $87 | $87 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $4K | $0 | $4K | 6.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 22.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 0.31% |
| THE HORTON GROUP3 Filed as: DEANNA HORTON SINK | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 16.15% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $3K | $415 | $3K | 13.72% |
| CYNTHIA D. GIDDINGS3 | 5314 SOUTH YALE AVENUE, SUITE 900 TULSA, OK 74135 | STANDARD INSURANCE COMPANY | $26 | $0 | $26 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1300 SOUTH MAIN STREET TULSA, OK 74145 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $20K | $0 | $20K | 97.00% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 330 | $65K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 458 | $364K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 458 | $344K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 458 | $366K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 463 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
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.