| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $12K | $29K | 9.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3815 CLASSEN BOULEVARD OKLAHOMA CITY, OK 73118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THE HOLMES ORG | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL | $5K | $0 | $5K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.81% |
| HUB INTERNATIONAL MIDWEST LIMITED4 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $396 | $0 | $396 | 10.00% |
| RENEE MCKNIGHT4 | 4205 WEST VANDALIA STREET BROKEN ARROW, OK 74012 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $277 | $0 | $277 | 7.00% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 162 | $158K |
| Vision | VISION SERVICE PLAN | 140 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $305K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $305K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $305K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.