| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE3 | P.O. BOX 960 ATOKA, OK 74525 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 2.50% |
| FIRST INSURANCE3 | 100 N. HIGH STREET ANTLERS, OK 74523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $10K | $51K | 18.44% |
| JADE J. WORTHY3 | 394 SHIELDS ROAD DURANT, OK 74701 | AFLAC | $8K | $9 | $8K | 19.55% |
| FIRST INS AN AFFILIATE OF FIRSTBANK3 | P.O. BOX 960 ATOKA, OK 74525 | AFLAC | $6K | — | $6K | 15.22% |
| JOSHUA WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $4K | — | $4K | 9.18% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $2K | — | $2K | 5.89% |
| DAVID H. JOHNSON3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $1K | — | $1K | 3.30% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 713 | $281K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 582 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $507K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $279K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $279K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.