| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY STE 300 OKLAHOMA CITY, OK 73142 | AETNA LIFE INSURANCE COMPANY | $60K | — | $60K | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL OF OKLAHOMA | $33K | — | $33K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY STE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $79K | — | $79K | 10.04% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | HARTFORD LIFE AND ACCIDENT | — | $44K | $44K | 5.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY STE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 10.08% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 5.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421875 | METROLPOLITAN LIFE INSURANCE COMPANY | $24K | $669 | $25K | 10.23% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROLPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROLPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $1.5M |
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 | 9,359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 67 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,107 | $22.7M |
| Dental | DELTA DENTAL OF OKLAHOMA | 2,174 | $1.7M |
| Vision | METROLPOLITAN LIFE INSURANCE COMPANY | 1,833 | $244K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,466 | $785K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,466 | $564K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,466 | $564K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 2,107 | $22.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,466 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,466 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.