| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCORD FINANCIAL GROUP INC | 3030 NW EXPRESSWAY STE 700 OKLAHOMA CITY, OK 73112 | DELTA DENTAL OF OKLAHOMA | $14K | $0 | $14K | 5.21% |
| ACCORD FINANCIAL GROUP INC3 | 3030 NW EXPRESSWAY STE 700 OKLAHOMA CITY, OK 73112 | METROPOLITIAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 11.01% |
| INSURANCE OFFICE OF AMERICA | 3220 SW 33RD RD STE 850 OCALA, FL 34474 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
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 | 1,871 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OKLAHOMA | 885 | $465K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 885 | $193K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 885 | $193K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $68K |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 885 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.