| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | FRATES IRWIN RISK MANAGEMENT 103 DEAN A MCGEE AVE, STE 700 OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $5K | — | $5K | 6.00% |
| ACRISURE LLC3 | DBA FRATES IRWIN RISK OKLAHOMA CITY, OK 73102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 13.90% |
| THOMAS LEE NICHOLS3 | 27627 E COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $786 | $3K | $4K | 8.82% |
| ANNA ROYER3 | 2632 ANDREA CT MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.49% |
| STEPHANIE HARDRIDGE-HEMESLEY3 | 3300 CANADIAN TRAIL CT NOBLE, OK 73068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | $832 | $1K | 3.31% |
| ASHLEY RENEE CUNNINGHAM3 | 6400 NW 163RD PL EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $960 | $402 | $1K | 3.05% |
| STEPHANIE TREJO3 | 1016 14TH ST SW MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $153 | $1K | 2.81% |
| CINDY RISKY3 | 901 MONTANE CT NORMAN, OK 73069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | — | $540 | 1.21% |
| NICOLE WORLEY3 | 2325 BUCKHORN DR NORMAN, OK 73072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | — | $283 | 0.63% |
| JANINE MILLER3 | 2000 PYBAS LN OKLAHOMA CITY, OK 73115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $112 | $205 | 0.46% |
| JENNIE WHITE3 | 501 POINTE PKWY BLVD APT 3503 YUKON, OK 73099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.29% |
| ZACH S MARBLE3 | 3432 S ROLLING OAKS DR TULSA, OK 74107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.16% |
| RACHEL NICHOLE MINNICH3 | 309 PINE COVE CT NORMAN, OK 73071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| DELINDA RUTH JONES3 | 4505 SE 48TH ST OKLAHOMA CITY, OK 73135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| ACRISURE LLC3 | FRATES IRWIN RISK MGMT 103 DEAN A MCGEE AVE #700 OKLAHOMA CITY, OK 73102 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ACRISURE LLC3 | FRATES IRWIN RISK MGMT 103 DEAN A MCGEE AVE #700 OKLAHOMA CITY, OK 73102 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.26% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS | INSURANCE SERVICES 5057 KELLER SPRINGS RD, STE 200 ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $799 | $72 | $871 | 6.14% |
| 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 | $678 | — | $678 | 4.78% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $76 | $76 | 0.54% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 101 | $75K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 99 | $21K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 58 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 42 | $35K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.