No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRATES BENEFIT ADMINISTRATORS EIN 46-5285179 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $971K |
| MAXCARE N/A | Direct payment from the plan; Other services Service code 49 | 3000 E. MEMORIAL RD. EDMOND, OK 73013 | $249K |
| PAYER COMPASS N/A | Claims processing; Direct payment from the plan Service code 12 | 5800 GRANITE PARKWAY, STE 450 PLANO, TX 75024 | $200K |
| OSMA EIN 73-0384245 SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $90K |
| FRATES INSURANCE & RISK MANAGEMENT EIN 26-3554645 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $48K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| JACK BELLER MEMBER | Other services; Direct payment from the plan Service code 49 | 4423 RIDGELINE DR. NORMAN, OK 73072 | $31K |
| WAKELY CONSULTING GROUP EIN 59-3554482 N/A | Direct payment from the plan; Actuarial Service code 11 | — | $15K |
| MULTIPLAN N/A | Insurance services; Direct payment from the plan Service code 23 | 115 FIFTH AVE NEW YORK, NY 10003 | $15K |
| PHIA GROUP CONSULTING N/A | Direct payment from the plan; Consulting (general) Service code 16 | 163 BAY STATE DR BRAINTREE, MA 02184 | $14K |
| DALE NEIKIRK MEMBER | Direct payment from the plan; Other services Service code 49 | 4609 LAURELBROOK CT NORMAN, OK 73072 | $11K |
| MCAFEE & TAFT EIN 73-0781676 N/A | Legal; Direct payment from the plan Service code 29 | — | $8K |
| MICHAEL J. HAUGH MEMBER | Other services; Direct payment from the plan Service code 49 | 3708 E 47TH PL TULSA, OK 74135 | $7K |
| JOHN A. ROBINSON MEMBER | Direct payment from the plan; Other services Service code 49 | 501 E MACARTHUR ST SHAWNEE, OK 74804 | $6K |
| DARYLE DEWAYNE VOSS MEMBER | Direct payment from the plan; Other services Service code 49 | 604 PEBBLE BEACH DRIVE ARDMORE, OK 73401 | $5K |
| WILLIAM OEHLERT MEMBER | Direct payment from the plan; Other services Service code 49 | 3017 ROCK RIDGE PLACE OKLAHOMA CITY, OK 73120 | $5K |
| INDEPENDENT MEDICAL SYSTEMS N/A | Direct payment from the plan; Insurance services Service code 23 | 8150 N. CENTRAL EXPRESSWAY DALLAS, TX 75206 | $5K |
| BCMS LIBRARY ASSOCIATION N/A | Other services; Direct payment from the plan Service code 49 | PO BOX 781145 SAN ANTONIO, TX 782789998 | $5K |
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 | 1,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 433 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 1,502 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,502 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.