| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACQUELINE K QUALIZZA3 | 12877 W 151ST STREET OLATHE, KS 66062 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $29K | — | $29K | 4.96% |
| JUDY C ELWOOD3 | 810526 S HIGHWAY 177 CARNEY, OK 74832 | AFLAC | $4K | — | $4K | 5.62% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OH 73034 | AFLAC | $2K | — | $2K | 2.45% |
| CERESTA L HILL3 | 5216 NW 11TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $876 | — | $876 | 1.27% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $684 | — | $684 | 0.99% |
| CATRINA D DELLINGER3 | 617 E GREENWOOD LANE MUSTANG, OK 73064 | AFLAC | $551 | — | $551 | 0.80% |
| COOPER SCOTT YEATES3 | 2133 E 2ND ST APT 4208 EDMOND, OK 73034 | AFLAC | $452 | — | $452 | 0.66% |
| 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 | $218 | — | $218 | 0.32% |
| TONYA MATEJCIC3 | 7250 OAKWOOD CREEK RD EDMOND, OK 73034 | AFLAC | $211 | — | $211 | 0.31% |
| JAMES MICHAEL WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $203 | — | $203 | 0.30% |
| CAROLYN BENDER3 | 917 EGGLESTON STREET FORT COLLINS, OK 80524 | AFLAC | $183 | — | $183 | 0.27% |
| STEPHEN W SIMPSON3 | 541 CONQUISTADOR CT EDMOND, OK 73025 | AFLAC | $170 | — | $170 | 0.25% |
| CHARLES D MANGUS3 | 13213 NW 6TH STREET YUKON, OK 73099 | AFLAC | $150 | — | $150 | 0.22% |
| KEVIN KHOURY3 | 918 NW 17TH ST OKLAHOMA CITY, OK 73106 | AFLAC | $90 | — | $90 | 0.13% |
| LISA B NEWPORT3 | 11554 ANDOVER CT MIDWEST CITY, OK 73130 | AFLAC | $82 | — | $82 | 0.12% |
| FLORA B QUALLS3 | 1711 TIMBER RIDGE RD EDMOND, OK 73034 | AFLAC | $61 | — | $61 | 0.09% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $59 | — | $59 | 0.09% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $53 | — | $53 | 0.08% |
| TREY CDEBACA3 | 2133 E 2ND ST APT 4208 EDMOND, OK 73034 | AFLAC | $45 | — | $45 | 0.07% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $37 | — | $37 | 0.05% |
| TREY CDEBACA3 | 4536 N PENNSYLVANIA AVE APT 307 OKLAHOMA CITY, OK 73134 | AFLAC | $21 | — | $21 | 0.03% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $20 | — | $20 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 8545 SW 86TH TER OCALA, FL 34481 | AFLAC | $20 | — | $20 | 0.03% |
| JOSHUA C ROLAN3 | 704 SEMINOLE DR PAULS VALLEY, OK 73075 | AFLAC | $17 | — | $17 | 0.02% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $17 | — | $17 | 0.02% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $15 | — | $15 | 0.02% |
| SHARON J FITZPATRICK3 | 2500 THOMAS DR APT 1615 EDMOND, OK 73034 | AFLAC | $10 | — | $10 | 0.01% |
| SHARON J FITZPATRICK3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $10 | — | $10 | 0.01% |
| THUNDER CITY INS SERVICES3 | 4617 CANAAN CREEK RD EDMOND, OK 73034 | AFLAC | $8 | — | $8 | 0.01% |
| EDWARD A HALL JR3 | 15 VILLAGE PARK DR NEWNAN, GA 30265 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $4 | — | $4 | 0.01% |
| TREY CDEBACA3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $2 | — | $2 | 0.00% |
| JUDY C ELWOOD3 Filed as: JUDY CHRISTINE ELWOOD | 810526 S HIGHWAY 177 CARNEY, OK 748324845 | AMERITAS LIFE INSURANCE CORP. | $603 | — | $603 | 9.19% |
| JACQUELINE K QUALIZZA3 | ASSOCIATION INSURANCE SERVICES 12877 W 151TH STREET OLATHE, KS 66062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | — | $521 | 10.01% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 117 | $586K |
| Dental | AFLAC | 79 | $69K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 34 | $7K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 123 | $74K |
| Short-term disability | AFLAC | 79 | $69K |
| Other(3 contracts, 3 carriers) | AFLAC | 123 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.