| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANTAL LYLES LOGAN3 | 6895 HUNT ROAD NORFOLK, VA 23518 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.48% |
| CHANTAL N. LYLES LOGAN3 Filed as: CHANTAL N LYLES LOGAN | 6895 HUNT ROAD NORFOLK, VA 23518 | DELTA DENTAL | $7K | $0 | $7K | 10.00% |
| CHANTAL LYLES LOGAN3 | 1244 W 26TH STREET NORFOLK, VA 23508 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| CHANTAL N. LYLES LOGAN3 | 999 WATERSIDE DRIVE, SUITE 1500 NORFOLK, VA 23510 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 10.02% |
| MJ INSURANCE3 Filed as: MOFFATT DESIGNS AND VARIOUS AGENTS | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $41 | $0 | $41 | 2.28% |
| JAMES MICHAEL WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $40 | $0 | $40 | 2.22% |
| KIMBERLY K WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $30 | $0 | $30 | 1.67% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $27 | $0 | $27 | 1.50% |
| LAURIE J. VICE3 Filed as: LAURIE J VICE | 14041 APACHE DRIVE EDMOND, OK 73013 | AFLAC | $18 | $0 | $18 | 1.00% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | AFLAC | $17 | $0 | $17 | 0.95% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $13 | $0 | $13 | 0.72% |
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 | 124 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 99 | $738K |
| Dental | DELTA DENTAL | 88 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $72K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 118 | $25K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 99 | $738K |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 124 | $812K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.