| 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 | $68K | — | $68K | 8.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | TOKIO MARINE | $43K | — | $43K | 5.51% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & CO OF OKLAHOMA INC | 14101 WIRELESS WAY 350 OKLAHOMA CITY, OK 73134 | SYMETRA LIFE INSURANCE COMPANY | $35K | — | $35K | 18.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $19K | $4K | $24K | 12.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 3600 N CAPITAL OF TX HWY, STE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $11K | $623 | $12K | 6.11% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 15.15% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| LYNN R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.09% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.07% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INS SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.06% |
| 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 | $30 | — | $30 | 0.02% |
| REBECCA R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| STAR ROBBINS3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & CO OF OKLAHOMA INC | 14101 WIRELESS WAY 350 OKLAHOMA CITY, OK 73134 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 18.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 12.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3600 N CAPITAL OF TX HWY, STE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $6K | $341 | $7K | 6.11% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & CO OF OKLAHOMA INC | 14101 WIRELESS WAY 350 OKLAHOMA CITY, OK 73134 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 18.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3600 N CAPITAL OF TX HWY, STE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $5K | $280 | $5K | 6.11% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $490 | — | $490 | 12.56% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 1.36% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.41% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | — | $116 | 5.37% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 2.59% |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 351 | $142K |
| Life insurance(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,266 | $337K |
| Short-term disability(5 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,266 | $443K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,266 | $282K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 753 | $786K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.