| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 1400 S BOSTON TULSA, OK 74119 | HEALTH CARE SERVICE CORPORATION | — | $172K | $172K | 63.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE, STE 1900 TULSA, OK 74136 | HEALTH CARE SERVICE CORPORATION | $30K | — | $30K | 11.15% |
| EMPLOYEE BENEFITS ADVANTAGE LLC3 | 1605 S EUCALYPTUS STE 105 BROKEN ARROW, OK 74012 | DELTA DENTAL | $6K | $15K | $21K | 13.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE. 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $4K | $7K | 5.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE, STE 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST UNLIMITED | 6100 S YALE AVE STE. 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $4K | — | $4K | 7.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE. 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $1K | — | $1K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE, STE 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Other services; Participant communication; Claims processing; Direct payment from the plan Service code 12 | — | $172K |
| MERCER NONE | Claims processing; Direct payment from the plan; Participant communication Service code 12 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | $48K |
| HUB INTERNATIONAL NONE | Claims processing; Participant communication; Direct payment from the plan Service code 12 | 300 N LASALLE ST, 17TH FLOOR TULSA, OK 60654 | $0 |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 17 | $122K |
| Dental | DELTA DENTAL | 286 | $158K |
| Vision | VISION SERVICE PLAN | 373 | $49K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $57K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 439 | $269K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.