| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN OKLAHOMA CITY, OK 73135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.33% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AND ASSOCIATES | PO BOX 908 FORT WORTH, TX 76101 | DELTA DENTAL | $9K | — | $9K | 9.13% |
| CHANTAL N. LYLES LOGAN3 | 999 WATERSIDE DRIVE, SUITE 1500 NORFOLK, VA 23510 | DELTA DENTAL | $905 | — | $905 | 0.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 10.84% |
| CHANTAL N. LYLES LOGAN3 | 999 WATERSIDE DRIVE, SUITE 1500 NORFOLK, VA 23510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | — | $774 | 0.88% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | HUMANA INSURANCE COMPANY | $1K | $384 | $2K | 10.92% |
| CHANTAL N. LYLES LOGAN3 | 999 WATERSIDE DRIVVE, SUITE 1500 NORFOLK, VA 23510 | HUMANA INSURANCE COMPANY | $134 | — | $134 | 0.81% |
| MAEDE C MILLER3 Filed as: MAEDE C. MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $78 | — | $78 | 2.88% |
| MJ INSURANCE3 Filed as: LARRY D. DENNY AND VARIOUS AGENTS | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $61 | — | $61 | 2.25% |
| JAMES MICHAEL WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $44 | — | $44 | 1.62% |
| LANCE J MILLER3 Filed as: LANCE J. MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $42 | — | $42 | 1.55% |
| KIMBERLY K WILLIAMS3 Filed as: KIMBERLY K. WILLIAMS | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $33 | — | $33 | 1.22% |
| DAVID L DEARDORFF3 Filed as: DAVID L. DEARDORFF | 9083 EAST 138TH STREET SOUTH BIXBY, OK 74008 | AFLAC | $21 | — | $21 | 0.77% |
| LAURIE J. VICE3 | 14041 APACHE DRIVE EDMOND, OK 73013 | AFLAC | $20 | — | $20 | 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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Dental | DELTA DENTAL | 159 | $104K |
| Vision | HUMANA INSURANCE COMPANY | 154 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $88K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $91K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.