| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLEUCHIP SOLUTIONS LLC3 | 301 NW 63RD ST STE 400 OKLAHOMA CITY, OK 73116 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE CALIFORNIA | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.47% |
| ALKEME INSURANCE SERVICES INC3 | 111 CORPORATE DR STE 200 LADER RANCH, CA 92694 | UNITEDHEALTHCARE INSURANCE COMPANY | -$59 | — | -$59 | -0.01% |
| BLEUCHIP SOLUTIONS LLC3 | 2117 NW 158TH ST EDMOND, OK 73013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.80% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 2117 NW 158TH ST EDMOND, OK 73013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.47% |
| BLEUCHIP SOLUTIONS LLC3 | 301 NW 63RD ST STE 400 OKLAHOMA CITY, OK 73116 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
| ALKEME INSURANCE SERVICES INC3 | 111 CORPORATE DR #200 LADERA RANCH, CA 92694 | VISION SERVICE PLAN | $70 | — | $70 | 0.34% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $823K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $160K |
| Vision | VISION SERVICE PLAN | 113 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $160K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $823K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.