| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 3030 NORTHWEST EXPY SUITE 200 OKLAHOMA CITY, OK 73118 | BLUECROSS BLUESHIELD OF OKLAHOMA | $64K | $1K | $65K | 3.56% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 731421866 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 8.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MAD CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $225 | $225 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | METROPOLITAN LIFE INSURANCE COMPANY | -$993 | — | -$993 | -0.69% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.13% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE STE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OK 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.13% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OK 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $933 | $933 | 3.11% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 73126 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE STE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OK 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $389 | $389 | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 74132 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $407 | $6 | $413 | 4.39% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $370 | $12 | $382 | 4.06% |
| MARILYN K EMBERSON3 Filed as: MARILYN EMBERSON | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $255 | $0 | $255 | 2.71% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $93 | $15 | $108 | 1.15% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE STE 700 OKLAHOMA CITY, OK 73012 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $92 | $0 | $92 | 0.98% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $3 | $1 | $4 | 0.04% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 326 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 468 | $143K |
| Vision | VISION SERVICE PLAN | 110 | $24K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $53K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $40K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.