| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | HUB INTERNATIONAL MID-AMERICA TULSA, OK 74136 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $60K | $0 | $60K | 50.74% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | SUMMIT FINANCIAL GROUP INC DALLAS, TX 75240 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $58K | $0 | $58K | 49.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - TULSA, OK | 6100 SOUTH YALE AVE TULSA, OK 74136 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.51% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC - OK | 5420 LBJ FREEWAY DALLAS, TX 75240 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.89% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.08% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANYH | $0 | $720 | $720 | 6.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANYH | $671 | $0 | $671 | 5.88% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 DALLAS, TX 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANYH | $470 | $0 | $470 | 4.12% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 330 | $57K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANYH | 120 | $11K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 163 | $118K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
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.