| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $77K | $77K | 4.99% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.31% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | AFLAC | $12K | $63 | $12K | 7.36% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $8K | $368 | $9K | 5.20% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $8K | $368 | $8K | 5.09% |
| COEY MACINTYRE3 | 4334 SOUTH 173RD EAST AVENUE TULSA, OK 74134 | AFLAC | $3K | $172 | $3K | 1.88% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE SUITE 260 JENKS, OK 74037 | AFLAC | $3K | $172 | $3K | 1.74% |
| RICK M MCKINNEY3 | 2448 EAST 81ST STREET TULSA, OK 74137 | AFLAC | $2K | — | $2K | 1.07% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $1K | — | $1K | 0.61% |
| JONI M CLARK3 | 5050 BAY HILL DRIVE CONWAY, AR 72034 | AFLAC | $206 | $23 | $229 | 0.14% |
| JCI INSURANCE SOLUTIONS INC3 | 5050 BAY HILL DRIVE CONWAY, AR 72034 | AFLAC | $94 | — | $94 | 0.06% |
| R SCOTT SCHULTZ3 | 48 ROCKY GAP ROAD MAYFLOWER, AR 72106 | AFLAC | $82 | $5 | $87 | 0.05% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $49 | $5 | $54 | 0.03% |
| HERBERT LILLARD3 | 15243 EAST 4500 SOUTH ROAD SAINT ANNE, IL 60964 | AFLAC | $3 | — | $3 | 0.00% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BOULEVARD OAK PARK, IL 60302 | AFLAC | $2 | — | $2 | 0.00% |
| SOLOMON G A INC3 | PO BOX 322 OLYMPIA FIELDS, IL 60461 | AFLAC | $1 | — | $1 | 0.00% |
| MELANIE K BRANDENBURGER3 | 119 KANSAS AVENUE BELLEVILLE, IL 62221 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN J LEWIS3 | 7503 INWOOD DRIVE HOUSTON, TX 77063 | AFLAC | $1 | — | $1 | 0.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | $914 | — | $914 | 15.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 350 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $103K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $98K |
| Short-term disability | AFLAC | 194 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $49K |
| Other(3 contracts, 2 carriers) | AFLAC | 355 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.