| 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 | $106K | — | $106K | 14.37% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 14101 WIRELESS WAY OKLAHOMA CITY, OK 731342516 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | — | $28K | 12.25% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | — | $43K | 23.56% |
| 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 | 1.87% |
| LYNN R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.08% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.07% |
| REBECCA R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY, STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| STAR ROBBINS3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OKLAHOMA INC | 14101 WIRELESS WAY OKLAHOMA CITY, OK 731342516 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.00% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & CO OF OKLAHOMA INC | 14101 WIRELESS WAY OKLAHOMA CITY, OK 731342516 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.07% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $777 | — | $777 | 18.19% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 2.48% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.40% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $917 | — | $917 | 29.33% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 3.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.1M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 755 RESEARCH PKWY, STE160 OKLAHOMA CITY, OK 73104 | $355K |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 754 | $189K |
| Life insurance(6 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,596 | $581K |
| Short-term disability(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,596 | $444K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,596 | $255K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 803 | $735K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,596 | — |
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.