| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 14.09% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $814 | $3K | 2.65% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $732 | $3K | 2.43% |
| DOUGLAS LOYAL NERDAHL3 | 4808 NW 77TH STREET OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $73 | $2K | 1.42% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 4505 W PIONEER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $62 | $1K | 1.27% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $48 | $1K | 1.15% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $583 | $1K | 1.08% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $0 | $350 | 0.32% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $53 | $206 | 0.19% |
| HUGHES FINANCIAL CONSULTANTS LLC3 | 2811 MEADOWLARK LN TYLER, TX 75701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.16% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $2 | $173 | 0.16% |
| EDNEY ENTERPRISES LLC3 | 22873 CR 3107 GLADE WATER, TN 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.15% |
| LORINDA LEA SEEGER3 | 14013 APACHE DR EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $0 | $136 | 0.12% |
| BRANDI TICE3 | 506 N CHICKASAW PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.11% |
| JON STAFFORD3 | 945 NW 30TH CT MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $10 | $100 | 0.09% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $5 | $29 | 0.03% |
| DAWNA WILLIAMS3 | 3024 SW 130TH ST OKLAHOMA CITY, OK 73170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $19 | $27 | 0.02% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BLVD. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $6 | $21 | 0.02% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.01% |
| LARRY D DENNY3 | 2614 N/S 378 HOLDENVILLE, OH 74848 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.01% |
| FREEMAN INSURANCE SERVICES LLC3 Filed as: FREEMAN INSURANCE AGENCY LLC | 781 COUNTY STREET 2925 TUTTLE, OK 73089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.01% |
| GLYNDA C FRY-STEWART3 | 12060 84TH ST LENXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| PARRISH J PEACHEE3 | 109 N UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OH 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | PO BOX 269031 OKLAHOMA CITY, OK 73112 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.29% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 221 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $25K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 286 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.