| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE TULSA, OK 74136 | BLUE CROSS BLUE SHIELD OF OKALAHOMA | $37K | $0 | $37K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $6K | $0 | $6K | 6.00% |
| DEANA CUNNINGHAM3 | 7159 KINGBIRD COURT OWASSO, OK 74055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCES. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3815 CLASSEN BOULEVARD OKLAHOMA CITY, OK 73118 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.28% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKALAHOMA | 156 | $747K |
| Dental | DELTA DENTAL | 85 | $98K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 120 | $11K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 123 | $22K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF OKALAHOMA | 156 | $747K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 123 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.