| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 1300 S MAIN ST TULSA, OK 74119 | DELTA DENTAL | $27K | $23K | $51K | 18.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 1300 S MAIN ST TULSA, OK 74101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $900 | $900 | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 10.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 45.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 45.33% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 231 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OKLAHOMA | 904 | $3.4M |
| Dental | DELTA DENTAL | 389 | $271K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 818 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.