| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOUT BENEFITS GROUP LLC3 | 103 DEAN A. MCGEE AVE STE 500 OKLAHOMA CITY, OK 73102 | BLUECROSS BLUESHIELD OF OKLAHOMA | $42K | — | $42K | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | BLUECROSS BLUESHIELD OF OKLAHOMA | $15K | $1K | $16K | 1.37% |
| SCOUT BENEFITS GROUP LLC3 | 103 DEAN A. MCGEE AVE STE 500 OKLAHOMA CITY, OK 73102 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $3K | $4K | $7K | 7.55% |
| SCOUT BENEFITS GROUP LLC3 | 103 DEAN A. MCGEE AVE STE 500 OKLAHOMA CITY, OK 73102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCIENNAN AGENCY LLC | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE | $712 | $13 | $725 | 6.50% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE | $226 | $127 | $353 | 3.16% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DR PLANO, TX 75024 | COLONIAL LIFE | $133 | $43 | $176 | 1.58% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75024 | COLONIAL LIFE | $134 | $6 | $140 | 1.25% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 190 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $68K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 171 | $91K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 171 | $102K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 171 | $91K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 171 | $91K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 171 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.