| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANTAL LYLES LOGAN3 | 999 WATERSIDE DRIVE, SUITE 1500 NORFOLK, VA 23510 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 10.01% |
| CHANTAL LYLES LOGAN3 | 6895 HUNT ROAD NORFOLK, VA 23518 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.00% |
| JAMES MICHAEL WILLIAMS3 | 235 CHELSEA WAY SULPHUR, OK 73086 | AFLAC | $12 | $0 | $12 | 3.52% |
| KIMBERLY K WILLIAMS3 Filed as: KIMBERLY WILLIAMS | 525 BROOKSIDE TERRACE MOORE, OK 73160 | AFLAC | $9 | $0 | $9 | 2.64% |
| BOBBY STEWART3 | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | AFLAC | $5 | $0 | $5 | 1.47% |
| JOHN MCDONNELL3 Filed as: JOHN WILLIAMS COMPANY INC | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $2 | $0 | $2 | 0.59% |
| MJ INSURANCE3 Filed as: PAUL BROUCHOUD AND VARIOUS AGENTS | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $1 | $0 | $1 | 0.29% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $524K |
| Dental | HUMANA INSURANCE COMPANY | 208 | $171K |
| Vision | HUMANA INSURANCE COMPANY | 208 | $171K |
| Life insurance | HUMANA INSURANCE COMPANY | 208 | $171K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 209 | $47K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 209 | $47K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $524K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.