| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 427 S BOSTON AVE STE 502 TULSA, OK 74103 | BLUECROSS BLUESHIELD OF OKLAHOMA | $87K | $9K | $97K | 3.26% |
| 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 CO | $28K | $9K | $37K | 16.81% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE CO | — | $7K | $7K | 3.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 427 S BOSTON AVE STE 502 TULSA, OK 74103 | AMERITAS LIFE INSURANCE CORP | $3K | $341 | $4K | 8.81% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 616 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 616 | $3.0M |
| Vision | AMERITAS LIFE INSURANCE CORP | 666 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 443 | $220K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 443 | $220K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 443 | $220K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 443 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.