| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | BLUECROSS BLUESHIELD OF OKLAHOMA | $37K | — | $37K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 5.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL HOLMES | 6100 S. YALE AVE., SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $7K | — | $7K | 9.11% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | DELTA DENTAL | $682 | — | $682 | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE., STE 1900 TULSA, OK 74136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.22% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE., STE 1900 TULSA, OK 74136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.82% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46 | — | $46 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVE., SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $792 | — | $792 | 5.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE., STE 1900 TULSA, OK 74136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.84% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE., STE 1900 TULSA, OK 74136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $576 | — | $576 | 8.76% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53 | — | $53 | 0.81% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E AVE. TULSA, OK 74133 | DEARBORN LIFE INSURANCE COMPANY | $60 | — | $60 | 1.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE, STE 1900 TULSA, OK 74136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 9.09% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S. 82ND E. AVE. TULSA, OK 74133 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.70% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 123 | $881K |
| Dental | DELTA DENTAL | 95 | $76K |
| Vision | VISION SERVICE PLAN | 142 | $15K |
| Life insurance(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $70K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14 | $10K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $61K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.