| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $441 | $5K | 10.94% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH ST STE B TULSA, OK 74119 | COMMUNITYCARE | $29K | — | $29K | 100.00% |
| BENEFIT PLAN STRATEGIES3 Filed as: BENEFIT PLAN STATEGIES | 5314 S YALE AVE STE 601 TULSA, OK 74135 | COMMUNITYCARE | -$105 | — | -$105 | -0.36% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $673 | $4K | 18.14% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $747 | $4K | 18.52% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $799 | $4K | 18.79% |
| BANCFIRST INS SERVICES INC3 | 5400 N GRAND BLD STE 400 OKLAHOMA CITY, OK 73112 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH ST STE B TULSA, OK 74119 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $511 | $2K | 21.47% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 127 | $29K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $47K |
| Vision | STANDARD INSURANCE COMPANY | 75 | $9K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 131 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $21K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.