| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $23K | $2K | $25K | 5.85% |
| BRANDY EVERETT3 | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $5K | $148 | $5K | 14.65% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 EAST 8TH STREET TULSA, OK 74119 | AFLAC | $2K | $0 | $2K | 6.78% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $1K | $172 | $1K | 4.14% |
| BRIAN K EVERETT3 Filed as: BRIAN EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $1K | $23 | $1K | 3.97% |
| VANESSA LAVALLEY3 | 609 WEST 46TH PLACE SAND SPRINGS, OK 74063 | AFLAC | $1K | $251 | $1K | 3.83% |
| CHARLES LARUE3 | 1460 WEST KEELING AVENUE SAPULPA, OK 74066 | AFLAC | $469 | $162 | $631 | 1.78% |
| KADEN SANDERS3 Filed as: KADEN SANDERS AND OTHER AGENTS | 1505 EMILY CIRCLE SAPULPA, OK 74066 | AFLAC | $366 | $6 | $372 | 1.05% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET SUITE B TULSA, OK 74119 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.49% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 95 | $421K |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 95 | $421K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 213 | $16K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 213 | $51K |
| Short-term disability | AFLAC | 63 | $36K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 95 | $421K |
| Other(2 contracts, 2 carriers) | AFLAC | 213 | $51K |
| 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.