| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $91K | $91K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DELTA DENTAL OF OKLAHOMA | $9K | $0 | $9K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $6K | $32K | 17.40% |
| RICHARD DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 38.86% |
| BRIAN K EVERETT3 Filed as: BRIAN KEITH EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 5401 ROGERS AVENUE FORT SMITH, AR 72903 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $528 | $0 | $528 | 12.03% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CENTRE FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $264 | $0 | $264 | 6.02% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 427 | $2.4M |
| Dental | DELTA DENTAL OF OKLAHOMA | 170 | $230K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $183K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $183K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $183K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $183K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 427 | $2.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.