| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY OKLAHOMA CITY, OK 73142 | AETNA LIFE INSURANCE CO. | $3K | $3K | $7K | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY STE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 13.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.42% |
| SMITH THOMAS C3 | IOPT LLC P.O. BOX 40386 NASHVILLE, TN 37202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| SMITH THOMAS C3 | IOPT LLC P.O. BOX 40386 NASHVILLE, TN 37202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $496 | — | $496 | 8.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 159 | $505K |
| Dental | DELTA DENTAL | 10 | $6K |
| Vision | AETNA LIFE INSURANCE CO. | 159 | $505K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $76K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $76K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $76K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 139 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.