| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | 100 PARK AVENUE, SUITE 700 OKLAHOMA CITY, OK 73102 | HARTFORD LIFE AND ACCIDENT | $26K | $0 | $26K | 9.05% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINELOA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $10K | $13K | 22.99% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $12K | 22.35% |
| GARY FANCHER INSURANCE PLLC3 Filed as: GARY A FANCHER | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 14.55% |
| EDNEY ENTERPRISES LLC3 | 22873 COUNTY ROAD 3107 GLADE WATER, TX 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $501 | $3K | 4.55% |
| STEVEN BOWLING3 Filed as: STEVEN DOUGLAS HUGHES | 1100 SOUTH WALL AVE TYLER, TX 75701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $450 | $2K | 4.00% |
| BRANDI TICE3 | 506 N CHICKASAW PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $351 | $2K | 3.93% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 4505 W PIONEER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $367 | $2K | 2.96% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $175 | $1K | 2.12% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | $130 | $1K | 1.79% |
| STEVEN WELTON GREGORY3 | 614 CAMELIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $36 | $313 | 0.56% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $12 | $142 | 0.25% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE., STE. 700 OKLAHOMA CITY, OK 731028008 | VISION SERVICE PLAN | $951 | $0 | $951 | 7.06% |
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 125 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 461 | $283K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 461 | $283K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 461 | $283K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 461 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.