| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $59K | $6K | $65K | 5.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED OK | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $4K | $4K | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED OK | 6100 S YALE AVENUE, STE 1900 TULSA, OK 74136 | DEARBORN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 15.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC TX | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.02% |
| MAGGIE KAY STEWART3 | 2524 N BROADWAY, STE 9 EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 16.84% |
| SHANNON NOEL WILKINSON3 | 8117 S 70TH EAST PL TULSA, OK 74133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.23% |
| JOHN N KARR3 | 14001 S 18TH ST BIXBY, OK 74008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $947 | $0 | $947 | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE, STE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $55 | $0 | $55 | 9.95% |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 625 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 625 | $1.3M |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 550 | $190K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 550 | $190K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 550 | $190K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 576 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.