| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN YUKON, OK 73099 | BLUECROSS BLUESHIELD OF OKLAHOMA | $116K | $6K | $122K | 5.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 13100 NORTH WESTERN, SUITE 115 OKLAHOMA CITY, OK 73114 | DEARBORN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3815 NORTH CLASSEN BOULEVARD OKLAHOMA CITY, OK 73118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 18.89% |
| ADDISON R STEWART3 Filed as: ADDISON R. STEWART | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 14.61% |
| SHANE M OWEN3 Filed as: SHANE M. OWEN | 3100 SOUTH BERRY ROAD, SUITE 100 NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | $0 | $282 | 1.12% |
| JOHN N KARR3 Filed as: JOHN KARR | 2433 EAST 55TH COURT TULSA, OK 74105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | $0 | $277 | 1.10% |
| BOBBY R STEWART3 Filed as: BOBBY R. STEWART | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | $0 | $155 | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $59 | $2K | 10.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $368 | $368 | 1.53% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 376 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 376 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $24K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 214 | $142K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 214 | $116K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 214 | $116K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 376 | $2.2M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 214 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.