| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | BLUECROSS BLUESHIELD OF OKLAHOMA | $19K | $0 | $19K | 5.49% |
| SPENCER R. GRODEN3 | 925 WEST K STREET JENKS, OK 74037 | AFLAC | $9K | $472 | $9K | 16.22% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | AFLAC | $8K | $0 | $8K | 13.57% |
| CHARLES LARUE3 | 9226 COLUMBIA STREET SAPULPA, OK 74066 | AFLAC | $4K | $387 | $5K | 7.88% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $3K | $110 | $3K | 5.11% |
| BRANDY EVERETT3 Filed as: BRANDY M. EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $472 | $0 | $472 | 0.82% |
| VANESSA LAVALLEY3 | 609 WEST 46TH PLACE SAND SPRINGS, OK 74063 | AFLAC | $302 | $0 | $302 | 0.53% |
| ANNA EVERETT AND OTHER AGENTS3 | 1823 WEST 51ST STEET TULSA, OK 74107 | AFLAC | $18 | $0 | $18 | 0.03% |
| SPENCER R. GRODEN3 | 925 WEST K STREET JENKS, OK 74037 | AFLAC | $2K | $458 | $2K | 10.43% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | AFLAC | $2K | $0 | $2K | 8.21% |
| CHARLES LARUE3 | 9226 COLUMBIA STREET SAPULPA, OK 74066 | AFLAC | $976 | $107 | $1K | 5.60% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $749 | $107 | $856 | 4.43% |
| VANESSA LAVALLEY3 | 609 WEST 46TH PLACE SAND SPRINGS, OK 74063 | AFLAC | $553 | $0 | $553 | 2.86% |
| ANGELA ANN ORCUTT3 | 72 NORTH WHEELING AVENUE TULSA, OK 74110 | AFLAC | $50 | $0 | $50 | 0.26% |
| BRIAN K EVERETT3 Filed as: BRIAN K. EVERETT AND OTHER AGENTS | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $37 | $0 | $37 | 0.19% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | DEARBORN LIFE INSURANCE COMPANY | $1K | $77 | $1K | 15.97% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | AFLAC | $1K | $0 | $1K | 18.51% |
| SPENCER R. GRODEN3 | 925 WEST K STREET JENKS, OK 74037 | AFLAC | $1K | $0 | $1K | 16.16% |
| CHARLES LARUE3 | 9226 COLUMBIA STREET SAPULPA, OK 74066 | AFLAC | $541 | $0 | $541 | 6.93% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $365 | $0 | $365 | 4.67% |
| VANESSA LAVALLEY3 | 609 WEST 46TH PLACE SAND SPRINGS, OK 74063 | AFLAC | $5 | $0 | $5 | 0.06% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | VISION SERVICE PLAN | $418 | $0 | $418 | 8.60% |
| AUSTIN HUGHES3 | 918 SW 107TH STREET, SUITE 100 OKLAHOMA CITY, OK 73170 | VISION SERVICE PLAN | -$3 | $0 | -$3 | -0.06% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 87 | $353K |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 87 | $353K |
| Vision | VISION SERVICE PLAN | 38 | $5K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 139 | $92K |
| Short-term disability(3 contracts) | AFLAC | 96 | $85K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 87 | $353K |
| Other(4 contracts, 2 carriers) | AFLAC | 139 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.