| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 741361903 | UNUM LIFE INSURANCE | $45K | $3K | $48K | 11.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 741361903 | UNUM LIFE INSURANCE | $40K | $2K | $42K | 15.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 741361903 | UNUM LIFE INSURANCE | $33K | $2K | $35K | 15.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 741361903 | VISION SERVICE PLAN | $1K | — | $1K | 2.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP, INC EIN 73-1478844 | Plan Administrator Service code 14 | 325 N MAIN ST MUSKOGEE, OK 74401 | $321K |
| PHX EIN 86-1040704 | Other services Service code 49 | 1021 CHARLES PAGE BLVD TULSA, OK 74127 | $126K |
| HSG CONSOLIDATED EIN 73-1478844 | Other services Service code 49 | 325 N MAIN ST MUSKOGEE, OK 74401 | $53K |
| PAYER COMPASS EIN 46-2047081 | Claims processing Service code 12 | 5800 GRANITE PKWY #450 PLANO, TX 75024 | $41K |
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 | 2,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 347 | $51K |
| Life insurance(4 contracts, 2 carriers) | COMPANION LIFE (ISU) | 2,168 | $1.5M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE | 2,096 | $694K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE | 2,168 | $590K |
| Other | UNUM LIFE INSURANCE | 549 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,168 | — |
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.