| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCHALL AND HAMPTON LLC | 3601 N CLASSEN BLVD OKLAHOMA CITY, OK 73118 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $39K | — | $39K | 2.64% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $129 | $1K | 4.49% |
| BIRCHALL AND HAMPTON LLC3 | 3601 N CLASSEN BLVD OKLAHOMA CITY, OK 73118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.48% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $575 | $10 | $585 | 2.15% |
| KELLY W PUGH3 | 7367 S 286TH E AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $30 | $278 | 1.02% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.61% |
| WILLIAM P BIRCHALL3 | 3601 N CLASSEN BLVD STE 201 OKLAHOMA CITY, OK 73118 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| JAMES H HAMPTON3 | 3601 N CLASSEN BLVD STE 201 OKLAHOMA CITY, OK 73118 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| WILLIAM P BIRCHALL3 | 3601 N CLASSEN BLVD STE 201 OKLAHOMA CITY, OK 73118 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.85% |
| JAMES H HAMPTON3 | 3601 N CLASSEN BLVD STE 201 OKLAHOMA CITY, OK 73118 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.85% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 202 | $1.5M |
| Dental | DELTA DENTAL PLAN OF OKLAHOMA | 116 | $98K |
| Vision | VISION SERVICE PLAN | 117 | $29K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $52K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $27K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.