| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $47K | $2K | $49K | 5.20% |
| 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 | $18K | $8K | $26K | 9.75% |
| JOSHUA L JACKS3 | 23291 LEWKIE LANE PURCELL, OK 73080 | AFLAC | $711 | — | $711 | 5.42% |
| HARVEY L JACKS3 | 3111 VENICE COURT NORMAN, OK 73071 | AFLAC | $269 | — | $269 | 2.05% |
| JAMES D GRACE3 | 4401 HIGHLAND HILLS DRIVE NORMAN, OK 73026 | AFLAC | $172 | — | $172 | 1.31% |
| TIMOTHY W WORTHY JR3 | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $144 | — | $144 | 1.10% |
| SHANE M OWEN3 | 8413 NORTHWEST 106TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $92 | — | $92 | 0.70% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $74 | — | $74 | 0.56% |
| JENNIFER C JACKS3 | 3111 VENICE COURT NORMAN, OK 73010 | AFLAC | $47 | — | $47 | 0.36% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $42 | — | $42 | 0.32% |
| BRANDON S FLEMING3 | 7783 NORTHWEST LORRAINE ROAD NORMAN, OK 73069 | AFLAC | $30 | — | $30 | 0.23% |
| TERRA D WOOD3 | 300 TECUMSEH RIDGE ROAD NORMAN, OK 73069 | AFLAC | $20 | — | $20 | 0.15% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $19 | — | $19 | 0.14% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $5 | — | $5 | 0.04% |
| HAL W MOFFATT3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $4 | — | $4 | 0.03% |
| JARRELL K PRENTICE3 | 1113 EAST DRIVE EDMOND, OK 73034 | AFLAC | $3 | — | $3 | 0.02% |
| JOSHUA C ROLAN3 | 704 SEMINOLE DRIVE PAULS VALLEY, OK 73075 | AFLAC | $2 | — | $2 | 0.02% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE PAULS VALLEY, OK 73115 | AFLAC | $2 | — | $2 | 0.02% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 231 | $934K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $264K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $264K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $264K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $264K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $264K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.