| 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 | $25K | $0 | $25K | 10.08% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 15.26% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.65% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $605 | $2K | 2.64% |
| BRANDI TICE3 | 506 N CHICKASAW PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $141 | $2K | 2.01% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $622 | $1K | $2K | 1.79% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 4505 W PIONEER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $48 | $2K | 1.68% |
| LORINDA LEA SEEGER3 | 413 NW 143RD ST EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $64 | $1K | 1.08% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | $24 | $868 | 0.93% |
| JON STAFFORD3 | 945 NW 30TH CT MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $535 | $97 | $632 | 0.67% |
| LARRY D DENNY3 | 2614 N/S 378 HOLDENVILLE, OH 74848 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $456 | $522 | 0.56% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $252 | $455 | 0.49% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $182 | $409 | 0.44% |
| EDNEY ENTERPRISES LLC3 | 22873 CR 3107 GLADE WATER, TN 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $43 | $388 | 0.41% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $97 | $316 | 0.34% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $18 | $268 | 0.29% |
| DAWNA WILLIAMS3 | 3024 SW 130TH ST OKLAHOMA CITY, OK 73170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $140 | $257 | 0.27% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $134 | $224 | 0.24% |
| STEVEN BOWLING3 Filed as: STEVEN DOUGLAS HUGHES | 2811 MEADOWLARK LN TYLER, TX 75701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $21 | $182 | 0.19% |
| HUGHES FINANCIAL CONSULTANTS LLC3 | 2811 MEADOWLARK LN TYLER, TX 75701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $0 | $165 | 0.18% |
| FREEMAN INSURANCE SERVICES LLC3 Filed as: FREEMAN INSURANCE AGENCY LLC | 781 COUNTY STREET 2925 TUTTLE, OK 73089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $46 | $150 | 0.16% |
| GLYNDA C FRY-STEWART3 | 12060 84TH ST LENXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $81 | $147 | 0.16% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $36 | $146 | 0.16% |
| PARRISH J PEACHEE3 | 109 N UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $1 | $34 | 0.04% |
| CODY FREEMAN3 | 2228 SHADOWLAKE DR OKLAHOMA CITY, OK 73159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $20 | $33 | 0.04% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | 3030 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73112 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.00% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 118 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 469 | $250K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 469 | $250K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 469 | $250K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 469 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.