| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 S DENVER AVE SUITE 500 TULSA, OK 74103 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $61K | — | $61K | 4.55% |
| JEREMY D FAIRCHILD3 | 4775 E 91ST STE 100 TULSA, OK 74137 | UNION SECURITY INSURANCE COMPANY | $42K | — | $42K | 19.15% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES INC | 4775 E 91ST STE 100 TULSA, OK 74137 | UNION SECURITY INSURANCE COMPANY | — | $9K | $9K | 4.28% |
| NORTH AMERICAN INS AG INC3 Filed as: NORTH AMERICA INS AGENCY INC DBA IN | PO BOX 25928 OKLAHOMA CITY, OK 73125 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 3.82% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 S DENVER AVE SUITE 500 TULSA, OK 74103 | DELTA DENTAL OF ARKANSAS | $8K | — | $8K | 6.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 S DENVER AVE SUITE 500 TULSA, OK 74103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 22.82% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 731250928 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $770 | — | $770 | 2.18% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 S DENVER AVE SUITE 500 TULSA, OK 74103 | DELTA DENTAL OF ARKANSAS | $2K | — | $2K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 201 S DENVER AVE SUITE 500 TULSA, OK 74103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 32.47% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 460 | $1.3M |
| Dental | DELTA DENTAL OF ARKANSAS | 559 | $132K |
| Vision | DELTA DENTAL OF ARKANSAS | 461 | $25K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 197 | $239K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 197 | $221K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $35K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 460 | $1.3M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 197 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.