| 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 | $92K | $875 | $93K | 5.03% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | DELTA DENTAL | $11K | — | $11K | 8.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 13.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATION | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.58% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18T FL NEW YORK, NY 10019 | EYEMED VISION CARE | $3K | — | $3K | 15.71% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVE. STATEN ISLAND, NY 10310 | EYEMED VISION CARE | $184 | — | $184 | 0.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 18.30% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $807 | $323 | $1K | 6.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $807 | $807 | 4.58% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET,FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.23% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $551 | $220 | $771 | 6.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $551 | $551 | 4.56% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURNCE BROKERAGE INC. | 160 FEDERAL ST- FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $500 | $200 | $700 | 6.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $500 | $500 | 4.56% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $395 | $158 | $553 | 6.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $395 | $395 | 4.57% |
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 | 212 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 349 | $1.9M |
| Dental | DELTA DENTAL | 185 | $135K |
| Vision | EYEMED VISION CARE | 289 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $94K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $111K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $94K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 349 | $1.8M |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.