| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURENACE AGENCY, INC | 3535 NORTHWEST 58TH STREET SUITE 950 OKLAHOMA CITY, OK 73112 | BLUECROSS BLUESHIELD OF OKLAHOMA | $33K | $0 | $33K | 2.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OKLAHOMA, INC | 211 NORTH ROBINSON AVENUE SUITE 700S OKLAHOMA CITY, OK 73102 | BLUECROSS BLUESHIELD OF OKLAHOMA | $12K | $0 | $12K | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 13100 NORTH WESTERN AVENUE SUITE 115 OKLAHOMA CITY, OK 73118 | BLUECROSS BLUESHIELD OF OKLAHOMA | $4K | $0 | $4K | 0.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AND ASSOCIATES | 3535 NORTHWEST 58TH STREET SUITE 950 OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $12K | $0 | $12K | 9.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PLAN | 13100 NORTH WESTERN AVENUE SUITE 115 OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $1K | $0 | $1K | 0.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURENACE AGENCY, INC | 500 WEST 13TH STREETE FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3815 CLASSEN BOULEVARD OKLAHOMA CITY, OK 73118 | DEARBORN LIFE INSURANCE COMPANY | $217 | $0 | $217 | 0.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OKLAHOMA, INC | 211 NORTH ROBINSON AVENUE SUITE 700S OKLAHOMA CITY, OK 73102 | DEARBORN LIFE INSURANCE COMPANY | $186 | $0 | $186 | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OKLAHOMA, INC | 211 NORTH ROBINSON AVENUE SUITE 700S OKLAHOMA CITY, OK 73102 | VISION BENEFITS OF AMERICA | $590 | $0 | $590 | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 13100 NORTH WESTERN AVENUE SUITE 115 OKLAHOMA CITY, OK 73118 | VISION BENEFITS OF AMERICA | $134 | $0 | $134 | 0.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURENACE AGENCY, INC | 3535 NORTHWEST 58TH STREET SUITE 950 OKLAHOMA CITY, OK 73112 | VISION BENEFITS OF AMERICA | $66 | $0 | $66 | 0.42% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 261 | $1.2M |
| Dental | DELTA DENTAL | 133 | $128K |
| Vision | VISION BENEFITS OF AMERICA | 110 | $16K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 174 | $24K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 261 | $1.2M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 174 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.