| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $0 | $50K | 9.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $6K | $6K | $12K | 15.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $10K | 17.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $495 | $495 | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421858 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 1110 COGBURN CT SHADY SHORES, TX 76208 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIELD | $589 | $0 | $589 | 27.21% |
| VIRGINIA BURNETT4 | 4017 NW 33RD STREET OKLAHOMA CITY, OK 73112 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIELD | $91 | $0 | $91 | 4.20% |
| JEREMIAH MOORE4 | 900 MAGNOLIA DRIVE ADA, OK 74820 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIELD | $43 | $0 | $43 | 1.99% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $503K |
| Dental | DELTA DENTAL | 171 | $76K |
| Vision | VISION SERVICE PLAN | 103 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $56K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.