| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE, SUITE 601 TULSA, OK 74135 | COMMUNITYCARE HMO | $0 | $44K | $44K | 10.99% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE, SUITE 601 TULSA, OK 74135 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $385 | $9K | 10.01% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $304 | $8K | 9.15% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE, SUITE 601 TULSA, OK 74135 | UNUM INSURANCE COMPANY | $635 | $14 | $649 | 3.26% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $318 | $48 | $366 | 1.84% |
| JOSEPH D. CONLEY3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | UNUM INSURANCE COMPANY | $269 | $0 | $269 | 1.35% |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 143 | $398K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 169 | $92K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 169 | $92K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $60K |
| Prescription drug | COMMUNITYCARE HMO | 143 | $398K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.