| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINT INS ADVISORS LLC3 | PO BOX 369 ARDMORE, OK 734020369 | UNITED OF OMAHA LIFE INSURANCE CO. | $5K | $1K | $6K | 18.71% |
| CROSS POINT INS ADVISORS LLC3 | PO BOX 369 ARDMORE, OK 734020369 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | $755 | $4K | 18.93% |
| CROSS POINT INS ADVISORS LLC3 | PO BOX 369 ARDMORE, OK 734020369 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | $671 | $3K | 18.85% |
| CROSS POINTS INS ADVISORS LLC3 | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $510 | $2K | 18.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BARDON INSURANCE GROUP, INC EIN 86-0898452 NONE | Insurance services Service code 23 | — | $173K |
| KEMPTON GROUP ADMINISTRATORS EIN 73-1201547 NONE | Plan Administrator Service code 14 | — | $64K |
| THE BRAMLETT AGENCY, INC EIN 73-1418307 NONE | Insurance agents and brokers Service code 22 | — | $22K |
| FIRST HEALTH EIN 20-1736437 NONE | Plan Administrator Service code 14 | — | $5K |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 152 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 152 | $19K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 152 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.