| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 5314 SOUTH YALE AVENUE SUITE 900 TULSA, OK 74135 | COMMUNITY CARE | $0 | $19K | $19K | 2.37% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | COMMUNITY CARE | $0 | $15K | $15K | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE SUITE 1900 TULSA, OK 74136 | COMMUNITY CARE | $0 | $7K | $7K | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YAL AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $3K | $0 | $3K | 6.01% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | DELTA DENTAL | $1K | $0 | $1K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | P.O. BOX 844501 DALLAS, TX 75284 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $139 | $3K | 7.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844501 DALLAS, TX 75284 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $80 | $2K | 4.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $182 | $2K | 4.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $534 | $0 | $534 | 3.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | VISION SERVICE PLAN | $360 | $0 | $360 | 2.56% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 168 | $814K |
| Dental | DELTA DENTAL | 118 | $54K |
| Vision | VISION SERVICE PLAN | 120 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Prescription drug | COMMUNITY CARE | 168 | $814K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.