| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | PO BOX 1087 WAUSAU, WI 54402 | UMR, INC | $238K | $4K | $242K | 13.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | DELTA DENTAL | $10K | — | $10K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-MIDWEST | 6100 S YALE AVE TULSA, OK 74136 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | — | $28K | 14.19% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST UNLIMITED | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-MIDWEST. LTD | 6100 S YALE AVE TULSA, OK 74136 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-MIDWEST | 6100 S YALE AVE TULSA, OK 74136 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 16.15% |
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 | 613 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR, INC | 613 | $1.8M |
| Dental | DELTA DENTAL | 198 | $243K |
| Vision | VISION SERVICE PLAN | 169 | $40K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 451 | $194K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 628 | $34K |
| Prescription drug | MAXORPLUS PHARMACY | 634 | $0 |
| Other(6 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 451 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.