| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | PO BOX 1087 WAUSAU, WI 54402 | UMR, INC | $177K | $9K | $186K | 5.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LIM | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTL MIDWEST LTD | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | FEDERAL INSURANCE COMPANY | $737 | — | $737 | — |
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 | 682 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR, INC | 682 | $3.4M |
| Vision | VISION SERVICE PLAN | 202 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $47K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 224 | $367K |
| Other(7 contracts, 4 carriers) | MUTUAL OF OMAHA | 242 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.