| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE3 | P.O. BOX 960 ATOKA, OK 74525 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 1.97% |
| FIRST INSURANCE3 | 100 N. HIGH STREET ANTLERS, OK 74523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $11K | $43K | 19.45% |
| FIRST INS AN AFFILIATE OF FIRSTBANK3 | P.O. BOX 960 ATOKA, OK 74525 | AFLAC | $6K | $24 | $6K | 9.28% |
| FIRST INS AN AFFILIATE OF FIRSTBANK3 | P.O. BOX 960 ATOKA, OK 74525 | AFLAC | $6K | $24 | $6K | 9.12% |
| DAVID H. JOHNSON3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $4K | $126 | $4K | 6.17% |
| DAVID H. JOHNSON3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $4K | $126 | $4K | 6.13% |
| GEOFF W NEWMAN3 Filed as: GEOFF W. NEWMAN | 3517 OVERLAND DRIVE DURANT, OK 74701 | AFLAC | $4K | — | $4K | 5.62% |
| GEOFF W NEWMAN3 Filed as: GEOFF W. NEWMAN | 3517 OVERLAND DRIVE DURANT, OK 74701 | AFLAC | $4K | — | $4K | 5.62% |
| JOSHUA WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $3K | $276 | $4K | 5.51% |
| JOSHUA WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $3K | $276 | $4K | 5.35% |
| JADE J. WORTHY3 | 394 SHIELDS ROAD DURANT, OK 74701 | AFLAC | $3K | $713 | $4K | 5.26% |
| JADE J. WORTHY3 | 394 SHIELDS ROAD DURANT, OK 74701 | AFLAC | $3K | $713 | $4K | 5.20% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $1K | $263 | $1K | 1.89% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $975 | $263 | $1K | 1.84% |
| NATHAN WALKER3 | 3538 S. OLD HWY. ATOKA, OK 74525 | AFLAC | $474 | — | $474 | 0.70% |
| NATHAN WALKER3 | 3538 S. OLD HWY. ATOKA, OK 74525 | AFLAC | $427 | — | $427 | 0.63% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 712 | $826K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 498 | $27K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $443K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $221K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $221K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 712 | $826K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.