| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $71K | $0 | $71K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $14K | $2K | $15K | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED OK | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $5K | $5K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC TX | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 12.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED OK | 6100 S YALE AVENUE, STE 1900 TULSA, OK 74136 | DEARBORN LIFE INSURANCE COMPANY | $5K | $7K | $12K | 5.79% |
| MAGGIE KAY STEWART3 | 2524 N BROADWAY, STE 9 EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 11.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 6.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2524 N BROADWAY, STE 400 NORTHBROOK, IL 60062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.46% |
| SHANNON NOEL WILKINSON3 | 8117 S 70TH EAST PL TULSA, OK 74133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.67% |
| JOHN N KARR3 | 14001 S 18TH ST BIXBY, OK 74008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | — | DELTA DENTAL | $634 | $0 | $634 | 8.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | DELTA DENTAL | $122 | $0 | $122 | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 13155 NOEL RD, SUITE 1400 DALLAS, TX 75240 | VISION SERVICE PLAN | $104 | $0 | $104 | 8.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE, STE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $21 | $0 | $21 | 1.68% |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 622 | $1.8M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 622 | $1.8M |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 514 | $203K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 514 | $202K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 514 | $392K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 514 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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."
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.