| 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 | $113K | — | $113K | 15.05% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 14101 WIRELESS WAY OKLAHOMA CITY, OK 731342516 | PRINCIPAL LIFE INSURANCE COMPANY | $35K | — | $35K | 11.92% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 31.25% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| LYNN R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.09% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.07% |
| REBECCA R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| STAR ROBBINS3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 14101 WIRELESS WAY OKLAHOMA CITY, OK 731342516 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.00% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $285 | — | $285 | 8.54% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 3.77% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.45% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $519 | — | $519 | 16.51% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 3.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.8M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 755 RESEARCH PKWY, STE160 OKLAHOMA CITY, OK 73104 | $458K |
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 | 894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 459 | $154K |
| Life insurance(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,633 | $547K |
| Short-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,633 | $449K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,633 | $294K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 963 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,633 | — |
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.