| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | COMMUNITY CARE | $40K | $0 | $40K | 4.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $4K | $0 | $4K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844501 DALLAS, TX 75284 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $298 | $6K | 15.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $897 | $0 | $897 | 6.35% |
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). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 167 | $874K |
| Dental | DELTA DENTAL | 122 | $56K |
| Vision | VISION SERVICE PLAN | 120 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $40K |
| Prescription drug | COMMUNITY CARE | 167 | $874K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.