| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 5.59% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.01% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | AFLAC | $9K | — | $9K | 8.69% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $6K | $165 | $6K | 5.86% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $6K | $165 | $6K | 5.82% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE SUITE 260 JENKS, OK 74037 | AFLAC | $2K | $15 | $2K | 1.85% |
| COREY MACINTYRE3 | 4334 SOUTH 173RD EAST AVENUE TULSA, OK 74134 | AFLAC | $2K | — | $2K | 1.74% |
| RICK M MCKINNEY3 | 2448 EAST 81ST STREET TULSA, OK 74137 | AFLAC | $2K | $77 | $2K | 1.46% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $809 | $62 | $871 | 0.80% |
| JCI INSURANCE SOLUTIONS INC3 | 5050 BAY HILL DRIVE CONWAY, AR 72034 | AFLAC | $75 | — | $75 | 0.07% |
| MICHAEL G HAGGAI3 | 9750 NORTH ANDERSON ROAD JONES, OK 73049 | AFLAC | $16 | — | $16 | 0.01% |
| R SCOTT SCHULTZ3 | 48 ROCKY GAP ROAD MAYFLOWER, AR 72106 | AFLAC | $15 | — | $15 | 0.01% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $10 | — | $10 | 0.01% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID L DEARDORFF3 | 1719 NORTHWEST 7TH PLACE CAPE CORAL, FL 33993 | AFLAC | $3 | — | $3 | 0.00% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $1 | — | $1 | 0.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $664 | — | $664 | 15.01% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE SUITE 1900 TULSA, OK 74132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 3.87% |
| SHANNON MARIE BALDWIN3 | 14620 SOUTH 52ND EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.03% |
| KELLY W PUGH3 | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.77% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $972K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $71K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $64K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 146 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $34K |
| Other(4 contracts, 3 carriers) | AFLAC | 281 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.