| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | BLUECROSS BLUESHIELD OF OKLAHOMA | $29K | $630 | $30K | 5.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK INC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 10.00% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.47% |
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $918 | $0 | $918 | 6.63% |
| JON STAFFORD3 | 6700 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $817 | $0 | $817 | 7.06% |
| ASHLEY RENEE CUNNINGHAM3 | 13216 MAYBERRY PLACE OKLAHOMA CITY, OK 73142 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $297 | $67 | $364 | 3.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PARKWAY OKLAHOMA CITY, OK 73142 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $332 | $0 | $332 | 2.87% |
| ANNA ROYER3 | 2632 ANDREA COURT MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $123 | $56 | $179 | 1.55% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $145 | $0 | $145 | 1.25% |
| THOMAS LEE NICHOLS3 | 27627 EAST COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $60 | $56 | $116 | 1.00% |
| MJ INSURANCE3 Filed as: NICOLE WORLEY AND VARIOUS AGENTS | 3814 LYNNBROOK CIRCLE NORMAN, OK 73072 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $5 | $12 | $17 | 0.15% |
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | PO BOX 20626 OKLAHOMA CITY, OK 73156 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $776 | $27 | $803 | 15.52% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 213 | $586K |
| Vision | VISION SERVICE PLAN | 112 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $5K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 20 | $38K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 213 | $586K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | 152 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.