| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | PO BOX 1087 WAUSAU, WI 544021087 | UMR, INC | $116K | $3K | $119K | 7.04% |
| TONY L ISHMAEL3 Filed as: TONY ISHMAIL | 5314 S. YALE, SUITE 900 TULSA, OK 74135 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $10K | — | $10K | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 5314 S. YALE AVE, SUITE 900 TULSA, OK 74135 | DELTA DENTAL | $9K | — | $9K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | PO BOX 844501 DALLAS, TX 75284 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| TONY L ISHMAEL3 Filed as: TONY ISHMAIL | 5314 S. YALE, SUITE 900 TULSA, OK 74135 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
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 | 601 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR, INC | 601 | $1.7M |
| Dental | DELTA DENTAL | 196 | $221K |
| Vision | VISION SERVICE PLAN | 158 | $33K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 315 | $407K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 315 | $407K |
| Prescription drug | MAXORPLUS PHARMACY | 624 | $0 |
| Other(4 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 315 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.