| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCES SERVICES, INC. | 13230 PAWNEE DR, STE 205 OKLAHOMA CITY, OK 731141418 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $54K | $54K | 5.74% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH STE B TULSA, OK 74119 | DELTA DENTAL | $5K | $5K | $11K | 15.91% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $924 | $5K | 18.51% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $846 | $5K | 18.47% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES, INC | 220 E 8TH ST STE B TULSA, OK 74119 | VISION SERVICE PLAN | $836 | — | $836 | 6.74% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $246 | $1K | 18.58% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $937K |
| Dental | DELTA DENTAL | 108 | $67K |
| Vision | VISION SERVICE PLAN | 91 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 158 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 158 | $24K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 158 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.