| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD PBA | 5314 S YALE SUITE 900 TULSA, OK 74135 | COMMUNITY CARE | $59K | — | $59K | 3.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: PBA/HUB INTERNATIONAL MIDWEST LTD | 5314 S YALE AVE SUITE 900 TULSA, OK 74135 | GUARDIAN | $3K | $3K | $7K | 8.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: PBA/HUG INTERNATIONAL MIDWEST LTD | 5314 S YALE AVE SUITE 900 TULSA, OK 74135 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| LEADERS LIFE INSURANCE COMPANY3 | 1350 S BOULDER AVE SUITE 900 TULSA, OK 74153 | LEADERS LIFE INSURANCE COMPANY | $430 | — | $430 | 11.43% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 329 | $1.8M |
| Dental | GUARDIAN | 173 | $77K |
| Vision | EYEMED VISION CARE | 222 | $15K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 397 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.