| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 5TH AVENUE CENTER, SUITE A MIAMI, OK 74354 | BLUECROSS BLUESHIELD OF OKLAHOMA | $55K | — | $55K | 4.81% |
| ROSS HANKINS INSURANCE AGENCY, INC.3 | 812 WEST GORE, SUITE B LAWTON, OK 73501 | DELTA DENTAL | $5K | — | $5K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $797 | $6K | 17.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3856 SOUTH BOULEVARD, SUITE 100 EDMOND, OK 73013 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.47% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 206 | $1.1M |
| Dental | DELTA DENTAL | 179 | $64K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 195 | $35K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 206 | $1.1M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 195 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.