| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNITED HEALTHCARE INSURANCE COMPANY | — | $49K | $49K | 3.76% |
| JACK LENHART CLU3 | 9315 S TOLEDO AVE STE A TULSA, OK 74137 | UNITED HEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PBA | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | DELTA DENTAL | $7K | $9K | $16K | 11.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 W CAPITOL AVE SUITE 3550 LITTLE ROCK, AR 72201 | GUARDIAN | $10K | $4K | $15K | 17.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | VSP VISION | — | $742 | $742 | 3.10% |
| JACK LENHART CLU3 | 9315 S TOLEDO AVE STE A TULSA, OK 74137 | VSP VISION | — | $399 | $399 | 1.67% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 337 | $1.3M |
| Dental | DELTA DENTAL | 140 | $136K |
| Vision | VSP VISION | 130 | $24K |
| Life insurance | GUARDIAN | 172 | $83K |
| Long-term disability | GUARDIAN | 172 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.