| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN WILSON3 | 1304 NW 181ST STREET EDMOND, OK 73012 | COLONIAL LIFE | $2K | $544 | $3K | 6.67% |
| MELISSA HIGHTOWER3 | 3833 NW 33RD STREET OKLAHOMA CITY, OK 73112 | COLONIAL LIFE | $2K | $424 | $2K | 5.07% |
| RWI BENEFITS LLC3 Filed as: RWI BENEFITS | PO BOX 2427 JOPLIN, MO 64803 | COLONIAL LIFE | $2K | $0 | $2K | 4.95% |
| MJ INSURANCE3 Filed as: CINDY RISKY AND VARIOUS AGENTS | 1013 SW 13TH STREET MOORE, OK 73160 | COLONIAL LIFE | $395 | $181 | $576 | 1.51% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN | UNKNOWN ARDMORE, OK 73402 | COLONIAL LIFE | $452 | $0 | $452 | 1.18% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE | $337 | $0 | $337 | 0.88% |
| DANIELLE WIND3 | 210 WEST EDMOND ROAD EDMOND, OK 73003 | COLONIAL LIFE | $249 | $41 | $290 | 0.76% |
| STEVEN WILSON3 | 1304 NW 181ST STREET EDMOND, OK 73012 | COLONIAL LIFE | $293 | $80 | $373 | 8.64% |
| RWI BENEFITS LLC Filed as: RWI BENEFITS | PO BOX 2427 JOPLIN, MO 64803 | COLONIAL LIFE | $276 | — | $276 | 6.39% |
| MELISSA HIGHTOWER3 | 3833 NW 33RD STREET OKLAHOMA CITY, OK 73112 | COLONIAL LIFE | $107 | $31 | $138 | 3.20% |
| JENNIE WHITE3 | 1030 WEST CHURCHILL WAY MUSTANG, OK 73064 | COLONIAL LIFE | $133 | $0 | $133 | 3.08% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN | UNKNOWN ARDMORE, OK 73402 | COLONIAL LIFE | $45 | $0 | $45 | 1.04% |
| MJ INSURANCE3 Filed as: KELLY W. PUGH AND VARIOUS AGENTS | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE | $41 | $0 | $41 | 0.95% |
| DANIELLE WIND3 | 210 WEST EDMOND ROAD EDMOND, OK 73003 | COLONIAL LIFE | $33 | $6 | $39 | 0.90% |
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 | 53 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 53 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | COLONIAL LIFE | 44 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.