| 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 | — | $179K | $179K | 26.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE. 1900 TULSA, OK 74136 | HEALTH CARE SERVICE CORPORATION | $40K | — | $40K | 5.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE. 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $11K | $18K | 8.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 S YALE STE. 1900 TULSA, OK 74136 | DELTA DENTAL | $6K | $14K | $21K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE. 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $5K | $10K | 9.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE. 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $5K | $17K | $22K | 46.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE. 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION NONE | Direct payment from the plan; Participant communication; Claims processing; Other services Service code 12 | — | $179K |
| HUB INTERNATIONAL NONE | Direct payment from the plan; Participant communication; Claims processing Service code 12 | 300 N LASALLIE ST, 17TH F TULSA, OK 60654 | $68K |
| EMPYREAN BENEFIT SOLUTIONS, INC. EIN 20-3029813 NONE | Direct payment from the plan; Claims processing; Participant communication Service code 12 | 3010 BRIARPARK DR 8000 HOUSTON, TX 77042 | $28K |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH CARE SERVICE CORPORATION | 418 | $740K |
| Dental | DELTA DENTAL | 283 | $158K |
| Vision | VISION SERVICE PLAN | 381 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 334 | $215K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $106K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 418 | $668K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 334 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.