| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $32K | $0 | $32K | 7.60% |
| OKLA AUTOMOBILE DEALERS3 | C/O KRISTAN MCCONNELL OKLAHOMA, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 0.49% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA FRATES INSURANCE & | RISK MANAGEMENT 103 DEAN A MCGEE AVE STE 700 OKALHOMA CITY, OK 731026412 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 9.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | AGENCY PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA RELIANCE INS GROUP | 2163 UNIVERSITY PARK DR STE 200 OKEMOS, MI 488644098 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $155 | $155 | 0.04% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,748 | $388K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,748 | $388K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,748 | $388K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 197 | $426K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 197 | $426K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,748 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,748 | — |
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."
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.