| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE3 | P.O. BOX 960 ATOKA, OK 74525 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 2.68% |
| FIRST INSURANCE3 | 100 N. HIGH STREET ANTLERS, OK 74523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $13K | $47K | 20.64% |
| FIRST INS AN AFFILIATE OF FIRSTBANK3 | P.O. BOX 960 ATOKA, OK 74525 | AFLAC | $6K | $24 | $6K | 8.76% |
| DAVID H. JOHNSON3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $4K | $126 | $4K | 5.82% |
| GEOFF W NEWMAN3 Filed as: GEOFF W. NEWMAN | 3517 OVERLAND DRIVE DURANT, OK 74701 | AFLAC | $4K | — | $4K | 5.31% |
| JOSHUA WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $3K | $276 | $4K | 5.20% |
| JADE J. WORTHY3 | 394 SHIELDS ROAD DURANT, OK 74701 | AFLAC | $3K | $713 | $4K | 4.96% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $1K | $263 | $1K | 1.79% |
| NATHAN WALKER3 | 3538 S. OLD HWY. ATOKA, OK 74525 | AFLAC | $474 | — | $474 | 0.66% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 711 | $895K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 564 | $28K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $481K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $227K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $227K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 711 | $895K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.