| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 6.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.18% |
| USI INSURANCE SERVICES LLC3 | 11600 BROADWAY EXTENSION 100 OKLAHOMA CITY, OK 73114 | DELTA DENTAL OF OKLAHOMA | $9K | — | $9K | 3.69% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 499 WEST SHERIDAN AVENUE OKLAHOMA CITY, OK 73102 | DELTA DENTAL OF OKLAHOMA | $3K | — | $3K | 1.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | 2.78% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 NORTH BROADWAY, 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $696 | — | $696 | 1.45% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | VISION SERVICE PLAN | $660 | — | $660 | 1.38% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 262 | $252K |
| Vision | VISION SERVICE PLAN | 259 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 336 | $385K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $385K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $385K |
| Other | HARTFORD LIFE AND ACCIDENT | 336 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.