| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 2220 W 20TH AVE SAN MATEO, CA 94403 | TOKIO MARINE | $92K | — | $92K | 15.00% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 4804 GAILLARDIA PKWY OKLAHOMA CITY, OK 731421864 | PRINCIPAL LIFE INSURANCE COMPANY | $81K | $16K | $97K | 32.90% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 220 W 20TH AVENUE SAN MATEO, CA 944031339 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | — | $26K | 18.22% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 21.17% |
| LYNN R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.12% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 0.12% |
| REBECCA R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.05% |
| LEE W WADKINS JR3 | 136 W L ST JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $533 | — | $533 | 14.22% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 9.61% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.68% |
| LEE W WADKINS JR3 | 136 W L ST JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.4M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 755 RESEARCH PKWY, STE160 OKLAHOMA CITY, OK 73104 | $448K |
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 | 1,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 436 | $145K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,515 | $436K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,515 | $296K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,515 | $296K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 995 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.