| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINTE INSURANCE ADVISORS LLC3 | 2212 NW 50TH -SUITE 140C OKLAHOMA CITY, OK 73112 | BLUECROSS BLUESHIELD OF OKLAHOMA | $95K | — | $95K | 4.90% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | DELTA DENTAL | $10K | — | $10K | 8.59% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $968 | $2K | 8.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.25% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $972 | $787 | $2K | 8.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.23% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18T FL NEW YORK, NY 10019 | EYEMED VISION CARE | $3K | — | $3K | 15.11% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $659 | $543 | $1K | 8.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $754 | — | $754 | 5.34% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $841 | $709 | $2K | 27.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURNCE BROKERAGE INC. | 160 FEDERAL ST- FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $959 | — | $959 | 16.73% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 309 | $1.9M |
| Dental | DELTA DENTAL | 147 | $115K |
| Vision | EYEMED VISION CARE | 237 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $26K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 309 | $1.9M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.