| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $113K | $113K | 4.99% |
| FRASER INSURANCE INC3 | 16310 EAST 49TH PLACE TULSA, OK 74134 | AFLAC | $16K | $188 | $16K | 8.03% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $11K | $462 | $11K | 5.54% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $11K | $463 | $11K | 5.51% |
| COREY MACINTYRE3 | 4334 SOUTH 173RD EAST AVENUE TULSA, OK 74134 | AFLAC | $4K | $169 | $5K | 2.27% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE SUITE 260 JENKS, OK 74037 | AFLAC | $4K | $169 | $4K | 2.03% |
| RICK M MCKINNEY3 | 2448 EAST 81ST STREET TULSA, OK 74137 | AFLAC | $2K | — | $2K | 0.76% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $908 | — | $908 | 0.44% |
| KRYSTLE BERTRAND3 | 7898 EAST 126TH STREET SOUTH APARTMENT 923 BIXBY, OK 74008 | AFLAC | $273 | — | $273 | 0.13% |
| JONI M CLARK3 | 5050 BAY HILL DRIVE CONWAY, AR 72034 | AFLAC | $75 | — | $75 | 0.04% |
| R SCOTT SCHULTZ3 | 48 ROCKY GAP ROAD MAYFLOWER, AR 72106 | AFLAC | $54 | — | $54 | 0.03% |
| JOHN ROBERT DE LARIOS3 Filed as: JOHN HILLIARD HOLLIDAY | 1413 WEST PITTSBURG STREET BROKEN ARROW, OK 74012 | AFLAC | $46 | — | $46 | 0.02% |
| JOHN N KARR3 | 907 SOUTH DETROIT AVENUE SUITE 905 TULSA, OK 74120 | AFLAC | $31 | — | $31 | 0.02% |
| HERBERT LILLARD3 | 15243 EAST 4500 SOUTH ROAD SAINT ANNE, IL 60964 | AFLAC | $25 | — | $25 | 0.01% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $25 | — | $25 | 0.01% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BOULEVARD OAK PARK, IL 60302 | AFLAC | $16 | — | $16 | 0.01% |
| SOLOMON G A INC3 | PO BOX 322 OLYMPIA FIELDS, IL 60461 | AFLAC | $10 | — | $10 | 0.00% |
| MELANIE K BRANDENBURGER3 | 119 KANSAS AVENUE BELLEVILLE, IL 62221 | AFLAC | $9 | — | $9 | 0.00% |
| MARTIN J LEWIS3 | 7503 INWOOD DRIVE HOUSTON, TX 77063 | AFLAC | $7 | — | $7 | 0.00% |
| KENNETH JACKSON3 Filed as: KENNETH A JACKSON | 107 EAST MICHIGAN AVENUE JACKSONVILLE, IL 62650 | AFLAC | $2 | — | $2 | 0.00% |
| DEVIN PEGRAM BALL3 | 536 TEAL DRIVE CHATHAM, IL 62629 | AFLAC | $1 | — | $1 | 0.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $837 | $20K | 15.65% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $466 | $13K | 10.36% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $448 | $12K | 15.58% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $224 | $3K | 10.74% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $55 | $1K | 15.63% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $2.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $129K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 312 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 340 | $138K |
| Short-term disability | AFLAC | 194 | $205K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $77K |
| Other(3 contracts, 2 carriers) | AFLAC | 340 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.