| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY BENEFIT ADVISORS, LLC3 | 1425 EAST 41ST PLACE SOUTH TULSA, OK 74105 | COMMUNITYCARE HMO | $0 | $28K | $28K | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74119 | COMMUNITYCARE HMO | $0 | $10K | $10K | 0.76% |
| SYNERGY BENEFIT ADVISORS, LLC3 Filed as: SYNERGY BENEFIT ADVISORS LLC | 1425 EAST 41ST PLACE SOUTH TULSA, OK 74105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 10.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.01% |
| SYNERGY BENEFIT ADVISORS, LLC3 Filed as: SYNERGY BENEFIT ADVISORS LLC | 1425 EAST 41ST PLACE TULSA, OK 74105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.06% |
| SYNERGY BENEFIT ADVISORS, LLC3 Filed as: SYNERGY BENEFIT ADVISORS LLC | 1425 EAST 41ST PLACE SOUTH TULSA, OK 74105 | AMERICAN FIDELITY ASSURANCE COMPANY | $76 | $0 | $76 | 0.49% |
| HENDERSON BENEFITS GROUP, INC.3 | 2100 SOUTH UTICA AVENUE, SUITE 310 TULSA, OK 74114 | LEADERS LIFE INSURANCE COMPANY | $111 | $0 | $111 | 5.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | LEADERS LIFE INSURANCE COMPANY | $19 | $0 | $19 | 1.02% |
| BROKER CENTRIC ALLIANCE3 Filed as: BROKER CENTRIC ALLIANCE INC | 1350 SOUTH BOULDER AVENUE SUITE 1900 TULSA, OK 74119 | LEADERS LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.86% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 291 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $108K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $108K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $110K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $46K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $46K |
| Prescription drug | COMMUNITYCARE HMO | 291 | $1.3M |
| Other(3 contracts, 3 carriers) | COMMUNITYCARE HMO | 291 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.