| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $62K | $62K | 5.26% |
| JULIE E CONDRY3 Filed as: JULIE ELIZABETH CONDRY | 11732 SOUTH ERIE AVENUE TULSA, OK 74137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 20.53% |
| ADDISON RAY STEWART3 | 5590 HUNTERS GAP GUTHRIE, OK 73044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.34% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.69% |
| JOHN N KARR3 Filed as: JOHN N. KARR | 14001 SOUTH 18TH STREET BIXBY, OK 74008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.71% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 NORTH CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.03% |
| SHANNON NOEL WILKINSON3 | 8117 SOUTH 70TH EAST PLACE TULSA, OK 74133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.26% |
| MAGGIE KAY STEWART3 | 2524 NORTH BROADWAY SUITE 9 EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.23% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | 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 | 0.51% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET TULSA, OK 74119 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.29% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.2M |
| Vision | VISION SERVICE PLAN | 158 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $18K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 72 | $51K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 19 | $35K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 301 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.