| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 9500 S DADELAND BLVD #400 MIAMI, FL 33156 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ACRISURE LLC3 | DBA FRATES IRWIN RISK OKLAHOMA CITY, OK 73102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 14.99% |
| ANNA ROYER3 | 2632 ANDREA CT MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 11.64% |
| THOMAS LEE NICHOLS3 | 27627 E COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $552 | $1K | $2K | 6.11% |
| STEPHANIE HARDRIDGE-HEMESLEY3 | 3300 CANADIAN TRAIL CT NOBLE, OK 73068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $591 | $1K | $2K | 5.57% |
| NICOLE WORLEY3 | 2325 BUCKHORN DR NORMAN, OK 73072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.15% |
| ZACH S MARBLE3 | 3432 S ROLLING OAKS DR TULSA, OK 74107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $398 | $542 | 1.71% |
| DELINDA RUTH JONES3 | 4505 SE 48TH ST OKLAHOMA CITY, OK 73135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.61% |
| JENNIE WHITE3 | 501 POINTE PKWY BLVD APT 3503 YUKON, OK 73099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $13 | $193 | 0.61% |
| RACHEL NICHOLE MINNICH3 | 309 PINE COVE CT NORMAN, OK 73071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $58 | $136 | 0.43% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.26% |
| ASHLEY RENEE CUNNINGHAM3 | 6400 NW 163RD PL EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| CINDY RISKY3 | 901 MONTANE COURT NORMAN, OK 73069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.04% |
| CRYSTAL LYNN JONES3 | 303 S 197TH AVE BUCKEYE, AZ 85326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| JOANNA DARLENE MAPLES3 | 2313 NE 35TH STREET LAWTON, OK 73507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSICA CAREN SURRELL3 | 1716 NE 26TH ST MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 | 9500 S DADELAND BLVD #400 MIAMI, FL 33156 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | DBA FRATES IRWIN RISK MANAGEMENT 103 DEAN A MCGEE AVE STE 700 OKLAHOMA CITY, OK 73102 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $60 | $60 | 0.40% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $21K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 56 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.