| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED5 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $189K | — | $189K | 4.28% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST LIMITEDOK | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | DEARBORN LIFE INSURANCE COMPANY | $40K | — | $40K | 11.40% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.36% |
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 | 675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 675 | $4.4M |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 675 | $4.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 561 | $352K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 561 | $352K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 561 | $352K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 561 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.