| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS INC. | PO BOX 722795 NORMAN, OK 730709122 | UNITED HEALTHCARE INSURANCE COMPANY | — | $273K | $273K | 5.26% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | PO BOX 722795 NORMAN, OK 73070 | STARMOUNT LIFE INSURANCE COMPANY | $34K | — | $34K | 9.12% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS, INC | PO BOX 722795 NORMAN, OK 73070 | UNUM LIFE INSURANCE | $44K | — | $44K | 13.81% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | PO BOX 722795 NORMAN, OK 73070 | UNUM LIFE INSURANCE | $33K | — | $33K | 13.87% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS, INC. | PO BOX 722795 NORMAN, OK 73070 | UNUM LIFE INSURANCE | $4K | — | $4K | 6.71% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 630 | $5.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 547 | $372K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 547 | $372K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE | 808 | $287K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE | 808 | $608K |
| Long-term disability | UNUM LIFE INSURANCE | 426 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.