| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCORD FINANCIAL GROUP INC3 | 3817 NW EXPRESSWAY STE 400 OKLAHOMA CITY, OK 73112 | METROPOLITIAN LIFE INSURANCE COMPANY | $34K | — | $34K | 10.57% |
| ACCORD FINANCIAL GROUP INC | 3817 NW EXPRESSWAY STE 400 OKLAHOMA CITY, OK 73112 | DELTA DENTAL OF OKLAHOMA | $14K | $20K | $35K | 11.99% |
| INSURANCE OFFICE OF AMERICA | 3220 SW 33RD RD STE 850 OCALA, FL 34474 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.00% |
| ACCORD FINANCIAL GROUP INC | 3817 NW EXPRESSWAY STE 400 OKLAHOMA CITY, OK 73112 | METROPOLITIAN LIFE INSURANCE COMPANY | $785 | — | $785 | 12.46% |
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 | 1,640 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,050 | $614K |
| Vision(2 contracts) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,050 | $330K |
| Life insurance(2 contracts) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,050 | $330K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $99K |
| Other(2 contracts) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,050 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.