| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $33K | $5K | $37K | 4.27% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $11K | — | $11K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.12% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 340 COLUMBIA ST SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $810 | $810 | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $10K | 19.37% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 340 COLUMBIA ST. SOUTH BEND, IN 46601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $1K | — | $1K | 7.65% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | VISION SERVICE PLAN | $337 | — | $337 | 2.51% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 188 | $871K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $128K |
| Vision | VISION SERVICE PLAN | 78 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $53K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 188 | $871K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.