| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $28K | — | $28K | 4.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE SUITE 3550 LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $8K | $21K | 10.63% |
| JOSHUA L JACKS3 | 3000 UNITED FOUNDERS BOULEVARD SUITE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $991 | $20 | $1K | 5.23% |
| HARVEY L JACKS3 | 3111 VENICE COURT NORMAN, OK 73071 | AFLAC | $478 | $11 | $489 | 2.53% |
| EMILY BOLLMAN3 | 12335 SOUTHWEST 2ND STREET YUKON, OK 73099 | AFLAC | $371 | — | $371 | 1.92% |
| JAMES D GRACE3 | 2474 WEST NEW ORLEANS STREET BROKEN ARROW, OK 74011 | AFLAC | $284 | — | $284 | 1.47% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BOULEVARD SUITE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $246 | $14 | $260 | 1.34% |
| TIMOTHY W WORTHY JR3 | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $246 | — | $246 | 1.27% |
| JOSHUA L JACKS3 | 23291 LEWKIE LANE PURCELL, OK 73080 | AFLAC | $223 | — | $223 | 1.15% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $116 | — | $116 | 0.60% |
| JENNIFER C JACKS3 | 3111 VENICE COURT NORMAN, OK 73071 | AFLAC | $53 | $17 | $70 | 0.36% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $35 | — | $35 | 0.18% |
| LACIE COOK3 | 3000 UNITED FOUNDERS BOULEVARD SUITE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $12 | $20 | $32 | 0.17% |
| TIMOTHY W. WORTHY3 Filed as: TIMOTHY W WORTHY | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $20 | — | $20 | 0.10% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $13 | — | $13 | 0.07% |
| JARRELL K PRENTICE3 | 1113 EAST DRIVE EDMOND, OK 73034 | AFLAC | $6 | — | $6 | 0.03% |
| JOSHUA C ROLAN3 | 704 SEMINOLE DRIVE PAULS VALLEY, OK 73075 | AFLAC | $5 | — | $5 | 0.03% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $5 | — | $5 | 0.03% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 212 | $568K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $201K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $201K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $201K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $201K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $201K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.