| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED | 6100 S. YALE AVE, STE 1900 TULSA, OK 74136 | UNITED HEALTHCARE | — | $62K | $62K | 5.47% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP INC-OKLAHOMA | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | UNITED HEALTHCARE | $2K | — | $2K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVE, STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $7K | $29K | 19.95% |
| HUB INTERNATIONAL MIDWEST LIMITED | 6100 S. YALE AVE, STE 1900 TULSA, OK 74136 | VSP | $1K | — | $1K | 5.31% |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VSP | $114 | — | $114 | 0.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVE, STE 1900 TULSA, OK 74132 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $595 | $1 | $596 | 4.31% |
| WILLIAM D STAEDKE | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $515 | $1 | $516 | 3.73% |
| SHANNON MARIE BALDWIN | 14620 S 52ND EAST AVE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $243 | — | $243 | 1.76% |
| KELLY W PUGH | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $110 | $1 | $111 | 0.80% |
| CASSIE HAMILTON Filed as: CASSIE HAMILYON | 5137 E. HICKORY MEADOW DR CLAREMORE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $55 | — | $55 | 0.40% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $143K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $143K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $143K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $143K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.