| 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 | $44K | $1K | $45K | 5.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 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 | 0.43% |
| ASHLEY RENEE CUNNINGHAM3 Filed as: ASHLEY CUNNINGHAM | 6400 NW 163RD PLACE EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $2K | $307 | $2K | 13.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $2K | $0 | $2K | 11.63% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $323 | $0 | $323 | 2.10% |
| THOMAS LEE NICHOLS3 Filed as: THOMAS NICHOLS | 27627 EAST COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $93 | $208 | $301 | 1.96% |
| JON STAFFORD3 | 11900 ASHFORD DRIVE YUKON, OK 73099 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $128 | $0 | $128 | 0.83% |
| KAYLA WALL3 | 609 NORTH CHISHOLM TRAIL WAY MUSTANG, OK 73064 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $52 | $13 | $65 | 0.42% |
| MJ INSURANCE3 Filed as: ANNA ROYER AND VARIOUS AGENTS | 2632 ANDREA COURT MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | $36 | $2 | $38 | 0.25% |
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $904 | $0 | $904 | 6.29% |
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $992 | $50 | $1K | 15.76% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 229 | $870K |
| Vision | VISION SERVICE PLAN | 109 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $7K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 23 | $41K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 229 | $870K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSRUANCE COMPANY | 208 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.