| 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 | $0 | $33K | $33K | 3.85% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET TULSA, OK 74119 | BLUECROSS BLUESHIELD OF OKLAHOMA | $10K | $0 | $10K | 1.23% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $24K | $24K | 5.17% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 3.44% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.51% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET TULSA, OK 74119 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.52% |
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $164 | $0 | $164 | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 17.85% |
| ASHLEY RENEE CUNNINGHAM3 | 6400 NW 163RD PLACE EDMOND, OK 73013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $271 | $2K | 15.61% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $165 | $506 | 4.45% |
| KAYLA WALL3 | 609 NORTH CHISHOLM TRAIL WAY MUSTANG, OK 73064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $42 | $223 | 1.96% |
| THOMAS LEE NICHOLS3 | 27627 EAST COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $93 | $148 | 1.30% |
| JON STAFFORD3 Filed as: JON STAFFORD AND OTHER AGENTS | 11900 ASHFORD DRIVE YUKON, OK 73099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $2 | $52 | 0.46% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.40% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET TULSA, OK 74119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $981 | $0 | $981 | 12.50% |
| BIGBIE, HENSLEY & JANWAY INS AGENCY3 | PO BOX 20626 OKLAHOMA CITY, OK 73156 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $197 | $10 | $207 | 2.64% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 226 | $1.3M |
| Vision | VISION SERVICE PLAN | 120 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $8K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 18 | $35K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 226 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 237 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.