| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL HOLMES ORGANISATI | 1350 S. BOULDER, SUITE 1000 TULSA, OK 74119 | COMMUNITYCARE | — | $37K | $37K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 S. YALE AVE., STE 1900 TULSA, OK 74136 | COMMUNITYCARE | — | $7K | $7K | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL HOLMES ORGANISATI | 6100 S. YALE AVE., STE 1900 TULSA, OK 74136 | DELTA DENTAL | $5K | — | $5K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1600 S. YALE AVE., STE. 1900 TULSA, OK 74136 | PRUDENTIAL | $600 | — | $600 | 5.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CLASSEN BLVD. METAIRIE, LA 70002 | PRUDENTIAL | $464 | — | $464 | 4.17% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 184 | $907K |
| Dental | DELTA DENTAL | 191 | $59K |
| Life insurance | PRUDENTIAL | 150 | $11K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 521 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.