| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | — | $19K | $19K | 0.72% |
| SCISSORTAIL EXECUTIVE ADVISORS3 | 6120 SOUTH YALE AVENUE SUITE 900 TULSA, OK 74136 | SYMETRA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 8.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 1525 FARADAY AVENUE, SUITE 150 CARLSBAD, CA 92008 | SYMETRA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 6.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | SYMETRA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.38% |
| SCISSORTAIL EXECUTIVE ADVISORS3 | 6120 SOUTH YALE AVENUE SUITE 900 TULSA, OK 74136 | SYMETRA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | PO BOX 5345 RIVERSIDE, CA 92517 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 1525 FARADAY AVENUE, SUITE 150 CARLSBAD, CA 92008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | SYMETRA LIFE INSURANCE COMPANY | $0 | $841 | $841 | 1.97% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 354 | $2.7M |
| Vision | VISION SERVICE PLAN | 242 | $24K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 166 | $372K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 166 | $372K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 166 | $372K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 354 | $2.7M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 166 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.