| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $56K | $2K | $58K | 5.17% |
| 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 | 9.43% |
| JOSHUA L JACKS3 | 23291 LEWKIE LANE PURCELL, OK 73080 | AFLAC | $352 | — | $352 | 3.56% |
| HARVEY L JACKS3 | 2188 DAX LANE NORMAN, OK 73072 | AFLAC | $171 | — | $171 | 1.73% |
| JAMES D GRACE3 | 4401 HIGHLAND HILLS DRIVE NORMAN, OK 73026 | AFLAC | $112 | — | $112 | 1.13% |
| TIMOTHY W WORTHY JR3 | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $93 | — | $93 | 0.94% |
| SHANE M OWEN3 | 8413 NORTHWEST 106TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $64 | — | $64 | 0.65% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $48 | — | $48 | 0.48% |
| JENNIFER C JACKS3 | 2188 DAX LANE NORMAN, OK 73072 | AFLAC | $35 | — | $35 | 0.35% |
| BRANDON S FLEMING3 | 7783 NORTHWEST LORRAINE ROAD NORMAN, OK 73069 | AFLAC | $20 | — | $20 | 0.20% |
| BRAIN K EVERETT3 | 2160 SANDPIPER DRIVE WETUMKA, OK 73010 | AFLAC | $14 | — | $14 | 0.14% |
| LARRY D DENNY3 | PO BOX 306 WETUMPKA, OK 74883 | AFLAC | $13 | — | $13 | 0.13% |
| TERRA D WOOD3 | 300 TECUMSEH RIDGE ROAD NORMAN, OK 73069 | AFLAC | $10 | — | $10 | 0.10% |
| HAL W MOFFATT3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $6 | — | $6 | 0.06% |
| JARRELL K PRENTICE3 | 1113 EAST DRIVE EDMOND, OK 73074 | AFLAC | $2 | — | $2 | 0.02% |
| JOSHUA C ROLAN3 | 704 SEMINOLE DRIVE PAULS VALLEY, OK 73075 | AFLAC | $1 | — | $1 | 0.01% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE PAULS VALLEY, OK 73115 | AFLAC | $1 | — | $1 | 0.01% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 256 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $275K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $275K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $275K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $275K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $275K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.