| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNITED HEALTHCARE | — | $43K | $43K | 2.79% |
| JACK LENHART CLU3 | 9315 S TOLEDO AVE STE A TULSA, OK 74137 | UNITED HEALTHCARE | — | $23K | $23K | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 S YALE STE 1900 TULSA, OK 74136 | DELTA DENTAL | $7K | — | $7K | 5.20% |
| JACK LENHART CLU3 | 4200 E SKELLY DR STE 250 TULSA, OK 74135 | DELTA DENTAL | $4K | — | $4K | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID AMERICA | 425 WEST CAPITOL AVE STE 3550 LITTLE ROCK, AR 72201 | GUARDIAN | $11K | $3K | $14K | 16.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE STE 1900 TULSA, OK 74136 | VSP VISION | — | $747 | $747 | 3.50% |
| JACK LENHART CLU3 | 9315 S TOLEDO AVE STE A TULSA, OK 74137 | VSP VISION | — | $402 | $402 | 1.88% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 339 | $1.5M |
| Dental | DELTA DENTAL | 137 | $132K |
| Vision | VSP VISION | 125 | $21K |
| Life insurance | GUARDIAN | 153 | $86K |
| Long-term disability | GUARDIAN | 153 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
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.