| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE3 | 100 N HIGH STREET ANTLERS, OK 74523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $5K | $24K | 15.85% |
| FIRST INS AN AFFILIATE OF FIRSTBANK3 | PO BOX 960 ATOKA, OK 74525 | AFLAC | $7K | $0 | $7K | 9.83% |
| MICHAEL CLINT FISHER3 | PO BOX 1235 BROKEN BOW, OK 74728 | AFLAC | $5K | $95 | $5K | 7.79% |
| BILLY JOEL ALBRIGHT3 | 5206 ROADRUNNER DR DURANT, OK 74701 | AFLAC | $4K | $72 | $4K | 6.08% |
| JOSHUA WORTHY3 | 2929 W MAIN STREET DURANT, OK 74701 | AFLAC | $4K | $0 | $4K | 5.84% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN STREET DURANT, OK 74701 | AFLAC | $2K | $0 | $2K | 3.64% |
| MICHELE JEAN HOCKERSMITH3 | 2303 E LAKEVIEW ROAD STILLWATER, OK 74705 | AFLAC | $2K | $3 | $2K | 2.85% |
| BRETT C SPELLMAN3 | 2929 W MAIN STREET DURANT, OK 74701 | AFLAC | $724 | $0 | $724 | 1.09% |
| RICHARD E WESTBROOK3 | 148 CRESTVIEW DR HUGO, OK 74743 | AFLAC | $473 | $0 | $473 | 0.71% |
| HOLLY J FRED3 | RR 1 BOX 3110 BOSWELL, OK 74727 | AFLAC | $393 | $0 | $393 | 0.59% |
| MADELEINE REBECCA WILLIAMS3 | 1701 HERITAGE CIRCLE MOORE, OK 73160 | AFLAC | $347 | $0 | $347 | 0.52% |
| FIRST INS AN AFFILIATE OF FIRSTBANK3 Filed as: FIRST INS AFFILIATE OF FIRSTBANK IN | PO BOX 458 ANTLERS, OK 74523 | AFLAC | $328 | $0 | $328 | 0.49% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $244 | $0 | $244 | 0.37% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $136 | $0 | $136 | 0.20% |
| HOLLY J FRED3 | 562 E 2060 ROAD BOSWELL, OK 74727 | AFLAC | $88 | $0 | $88 | 0.13% |
| YASHIDI GONZALEZ3 | 10322 N 26TH LANE MCALLEN, TX 78504 | AFLAC | $87 | $0 | $87 | 0.13% |
| BRITTANY L WORTHY3 | 618 BRYAN DRIVE DURANT, OK 74701 | AFLAC | $77 | $0 | $77 | 0.12% |
| GEOFF W NEWMAN3 | 3517 OVERLAND DR DURANT, OK 74701 | AFLAC | $75 | $0 | $75 | 0.11% |
| FRANCISCO ISLAS3 | 1605 S LINDEN AVE PHARR, TX 78577 | AFLAC | $47 | $0 | $47 | 0.07% |
| JADE J. WORTHY3 Filed as: JADE J WORTHY | 394 SHIELDS ROAD DURANT, OK 74701 | AFLAC | $40 | $0 | $40 | 0.06% |
| TIMOTHY W. WORTHY3 Filed as: TIMOTHY W WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $32 | $0 | $32 | 0.05% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSIONS, TX 78572 | AFLAC | $23 | $0 | $23 | 0.03% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $14 | $0 | $14 | 0.02% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $9 | $0 | $9 | 0.01% |
| CLINT HARDISON3 | PO BOX 480 ATOKA, OK 74525 | AFLAC | $9 | $0 | $9 | 0.01% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $3 | $0 | $3 | 0.00% |
| SARAH E HOWARD3 | 10880 E HIGHWAY 131 KIOWA, OK 74553 | AFLAC | $2 | $0 | $2 | 0.00% |
| EDWARD A HALL JR3 | 15 VILLAGE PARK DR NEWNAN, GA 30265 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $153K |
| Vision | VISION SERVICE PLAN | 91 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $153K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $153K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $153K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.