| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4775 E. 91ST STREET, SUITE 200 TULSA, OK 74137 | BLUE CROSS/BLUE SHIELD | $155K | — | $155K | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87K | — | $87K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE SUITE3550 LITTLE ROCK, AR 72201 | THE GUARDIAN | $12K | $8K | $20K | 3.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | — | $55K | 15.00% |
| BENEFIT RESOURCES, INC.3 | 4775 E. 91ST STREET, SUITE 100 TULSA, OK 74137 | AMERICAN HERITAGE LIFE INSURANCE | $42K | — | $42K | 26.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 15.00% |
| BENEFIT RESOURCES, INC.3 | 4775 E 91ST STREET, SUITE 100 TULSA, OK 74137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 37.00% |
| DANIEL FAIRCHILD3 | 4775 E. 91ST STREET, SUITE 100 TULSA, OK 74137 | AFLAC | $10K | — | $10K | 9.86% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS AFLAC AGENTS | VARIOUS TULSA, OK 74137 | AFLAC | $3K | — | $3K | 3.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $1K | — | $1K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
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 | 1,154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS/BLUE SHIELD | 2,430 | $6.9M |
| Dental | THE GUARDIAN | 985 | $546K |
| Vision | VISION SERVICE PLAN | 1,159 | $97K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,840 | $614K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 975 | $366K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,154 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,430 | — |
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.