| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASCHINO HUDELSON & ASSOCIATES3 Filed as: MASCHINO HUDELSON AND ASSOCS | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421875 | AETNA LIFE INSURANCE COMPANY | $25K | $14K | $39K | 1.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421875 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421875 | VISION SERVICE PLAN | $2K | — | $2K | 4.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MASCHINO HUDELSON AND ASSOCS NONE | Insurance agents and brokers Service code 22 | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | $69K |
| NFP CORPORATE SERVICES LLC | Insurance agents and brokers Service code 22 | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | $6K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $6K |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 506 | $2.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 506 | $2.3M |
| Vision | VISION SERVICE PLAN | 226 | $38K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 506 | $2.3M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 506 | $2.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 506 | $2.3M |
| Other | AETNA LIFE INSURANCE COMPANY | 506 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.