| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER PARTNERS INC3 Filed as: PREMIER PARTNERS, INC. | 4111 S DARLINGTON AVE STE 800 TULSA, OK 74135 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $13K | — | $13K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 29.48% |
| PREMIER PARTNERS INC3 | 4111 S DARLINGTON AVE STE 800 TULSA, OK 74135 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $29 | $1K | 4.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INC CENTER | PO BOX 5003 SAN RAMON, CA 94583 | METROPOLITAN LIFE INSURANCE COMPANY | $659 | — | $659 | 2.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INC CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116 | $116 | 0.51% |
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 | 532 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 73 | $252K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 44 | $23K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 44 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 532 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 532 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.