| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW ST., SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $50K | $50K | 13.20% |
| JACQUELINE K QUALIZZA3 Filed as: JACQUELINE K. QUALIZZA | 12877 W. 151ST STREET OLATHE, KS 66062 | NATIONAL HEALTH INSURANCE COMPANY | $38K | — | $38K | 9.88% |
| FIRST HEALTH4 | 23291 NETWORK PLACE CHICAGO, IL 606731232 | NATIONAL HEALTH INSURANCE COMPANY | — | $5K | $5K | 1.38% |
| MEDCOM UTILIZATION MANAGEMENT4 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.51% |
| JUDY C ELWOOD3 | 810526 S HIGHWAY 177 CARNEY, OK 74832 | AFLAC | $5K | — | $5K | 6.75% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OH 73034 | AFLAC | $2K | $271 | $2K | 3.15% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $1K | $80 | $1K | 1.82% |
| CERESTA L HILL3 | 5216 NW 11TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $822 | $151 | $973 | 1.41% |
| CATRINA D DELLINGER3 | 617 E GREENWOOD LANE MUSTANG, OK 73064 | AFLAC | $712 | — | $712 | 1.03% |
| TREY CDEBACA3 | 2133 E 2ND ST APT 4208 EDMOND, OK 73034 | AFLAC | $517 | — | $517 | 0.75% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $440 | — | $440 | 0.64% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $286 | — | $286 | 0.42% |
| CAROLYN BENDER3 | 917 EGGLESTON STREET FORT COLLINS, OK 80524 | AFLAC | $236 | — | $236 | 0.34% |
| JAMES MICHAEL WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $228 | — | $228 | 0.33% |
| STEPHEN W SIMPSON3 | 541 CONQUISTADOR CT EDMOND, OK 73025 | AFLAC | $216 | — | $216 | 0.31% |
| CHARLES D MANGUS3 | 13213 NW 6TH STREET YUKON, OK 73099 | AFLAC | $200 | — | $200 | 0.29% |
| JOHN A WILLIAMS COMPANY INC3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $120 | $80 | $200 | 0.29% |
| SHARON J FITZPATRICK3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $100 | $55 | $155 | 0.23% |
| KEVIN KHOURY3 | 918 NW 17TH ST OKLAHOMA CITY, OK 73106 | AFLAC | $125 | — | $125 | 0.18% |
| LISA B NEWPORT3 | 11554 ANDOVER CT MIDWEST CITY, OK 73130 | AFLAC | $103 | — | $103 | 0.15% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $94 | — | $94 | 0.14% |
| THUNDER CITY INS SERVICES3 | 4617 CANAAN CREEK RD EDMOND, OK 73034 | AFLAC | $93 | — | $93 | 0.14% |
| JACQUELINE K QUALIZZA3 | ASSOCIATION INSURANCE SERVICES 12877 W 151TH STREET OLATHE, KS 66062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434 | — | $434 | 9.07% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 94 | $69K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 120 | $74K |
| Short-term disability | AFLAC | 94 | $69K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 90 | $382K |
| Other(3 contracts, 3 carriers) | AFLAC | 120 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.