| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 1440 TULSA, OK 74101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 17.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1350 SOUTH BOULDER AVENUE SUITE 1000 TULSA, OK 74119 | VISION SERVICE PLAN | $1K | — | $1K | 1.71% |
| THE HOLMES ORGANISATION3 Filed as: THE HOLMES ORGANISATION, INC. | 1350 SOUTH BOULDER AVENUE SUITE 1000 TULSA, OK 74119 | VISION SERVICE PLAN | $979 | — | $979 | 1.55% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 392 | $40K |
| Vision | VISION SERVICE PLAN | 181 | $63K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $219K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $219K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $219K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 392 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.