| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 5314 S YALE AVE, SUITE 900 TULSA, OK 74135 | BLUECROSS BLUESHIELD OF OKLAHOMA | $60K | — | $60K | 3.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 6100 S YALE AVE, STE 1900 TULSA, OK 74136 | DELTA DENTAL | $12K | — | $12K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 844501 DALLAS, TX 752844501 | UNUM LIFE INSURANCE CO OF AMERICA | $8K | $751 | $8K | 8.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 74132 | VISION SERVICE PLAN | $1K | — | $1K | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 844501 DALLAS, TX 752844501 | UNUM LIFE INSURANCE CO OF AMERICA | $2K | $102 | $2K | 15.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE, STE 1900 TULSA, OK 74132 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $875 | $82 | $957 | 8.32% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $516 | $79 | $595 | 5.17% |
| MARILYN K EMBERSON3 Filed as: MARILYN EMBERSON | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $461 | $9 | $470 | 4.09% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $151 | $26 | $177 | 1.54% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 323 | $1.7M |
| Dental | DELTA DENTAL | 142 | $154K |
| Vision | VISION SERVICE PLAN | 124 | $25K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 155 | $125K |
| Short-term disability | COLONIAL LIFE ACCIDENT INSURANCE CO. | 19 | $12K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 155 | $100K |
| Other(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 155 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.