| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 427 S BOSTON AVENUE, SUITE 502 TULSA, OK 74103 | AMERITAS LIFE INSURANCE CORP | $13K | $0 | $13K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE, ROOM 3202 NEW YORK, NY 10166 | AMERITAS LIFE INSURANCE CORP | $0 | $2K | $2K | 1.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $3K | $22K | 17.67% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $0 | $305 | 3.71% |
| CHARLES DON SCHAEF3 Filed as: CHARLES SCHAEF | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $144 | $255 | 3.10% |
| ASHLEY RENEE CUNNINGHAM3 Filed as: ASHLEY CUNNINGHAM | 6400 NW 163RD PLACE EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $56 | $219 | 2.66% |
| THE FRANCIS GROUP LLC3 | 403 NORTH STREET BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $130 | $211 | 2.57% |
| MJ INSURANCE3 Filed as: CINDY RISKY AND VARIOUS AGENTS | 901 MONTANE COURT NORMAN, OK 73069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $7 | $169 | 2.06% |
| DANIELLE WIND3 | 17617 BLACK HAWK DRIVE EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.85% |
| STEVE WILSON3 | 1304 NW 181ST STREET EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.74% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 446 | $132K |
| Vision | AMERITAS LIFE INSURANCE CORP | 446 | $132K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $125K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $125K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 282 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.