| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN INSURANCE AGENCY3 | 10 SW 2ND ST SUITE 1 LAWTON, OK 73501 | BLUECROSS BLUESHIELD OF OKLAHOMA | $25K | $0 | $25K | 3.76% |
| INSURICA, INC.3 Filed as: INSURICA INC | 5100 NORTH CLASSES BOULEVARD OKLAHOMA, OK 73118 | BLUECROSS BLUESHIELD OF OKLAHOMA | $8K | $0 | $8K | 1.25% |
| NORTH AMERICAN INSURANCE AGENCY3 | 10 SW 2ND ST SUITE 1 LAWTON, OK 73501 | DELTA DENTAL | $4K | $0 | $4K | 8.00% |
| INSURICA, INC.3 Filed as: INSURICA INC | 5100 NORTH CLASSEN BLVD OKLAHOMA CITY, OK 73118 | HEALTHIEST YOU | $1K | $0 | $1K | 15.00% |
| NORTH AMERICAN INSURANCE AGENCY3 | 10 SW 2ND STREET SUITE 1 LAWTON, OK 73501 | GUARDIAN | $6K | $0 | $6K | — |
| ENROLL EASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $252 | $0 | $252 | — |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 113 | $657K |
| Dental | DELTA DENTAL | 67 | $56K |
| Life insurance | GUARDIAN | 111 | $0 |
| Other(2 contracts, 2 carriers) | HEALTHIEST YOU | 111 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.