| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUDY C ELWOOD3 | 810526 S HIGHWAY 177 CARNEY, OK 74832 | AFLAC | $3K | — | $3K | 4.87% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OH 73034 | AFLAC | $1K | $60 | $2K | 2.32% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $911 | $60 | $971 | 1.45% |
| CERESTA L HILL3 | 5216 NW 11TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $839 | $102 | $941 | 1.41% |
| CATRINA D DELLINGER3 | 617 E GREENWOOD LANE MUSTANG, OK 73064 | AFLAC | $518 | — | $518 | 0.77% |
| TREY CDEBACA3 | 1004 EARL A RODKEY DR EDMOND, OK 73003 | AFLAC | $246 | — | $246 | 0.37% |
| COOPER SCOTT YEATES3 | 2133 E 2ND ST APT 4208 EDMOND, OK 73034 | AFLAC | $93 | $96 | $189 | 0.28% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $181 | — | $181 | 0.27% |
| CAROLYN BENDER3 | 917 EGGLESTON STREET FORT COLLINS, OK 80524 | AFLAC | $178 | — | $178 | 0.27% |
| STEPHEN W SIMPSON3 | 541 CONQUISTADOR CT EDMOND, OK 73025 | AFLAC | $159 | — | $159 | 0.24% |
| CHARLES D MANGUS3 | 13600 N BLACKWELDER AVE APT 374 OKLAHOMA CITY, OK 73134 | AFLAC | $152 | — | $152 | 0.23% |
| SUSAN L GEORGE3 | 331495 E 890 ROAD WELLSTON, OK 74881 | AFLAC | $148 | — | $148 | 0.22% |
| TREY CDEBACA3 | 14536 N PENNSYLVANIA AVE APT 307 OKLAHOMA CITY, OK 73134 | AFLAC | $141 | — | $141 | 0.21% |
| JAMES MICHAEL WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $121 | — | $121 | 0.18% |
| KEVIN KHOURY3 | 918 NW 17TH ST OKLAHOMA CITY, OK 73106 | AFLAC | $96 | — | $96 | 0.14% |
| LISA B NEWPORT3 | 11554 ANDOVER CT MIDWEST CITY, OK 73130 | AFLAC | $90 | — | $90 | 0.13% |
| SHERRY ANN STOWERS3 | 1203 W LONDON ST EL RENO, OK 73036 | AFLAC | $76 | — | $76 | 0.11% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $73 | — | $73 | 0.11% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $58 | — | $58 | 0.09% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $57 | — | $57 | 0.09% |
| SHARON J FITZPATRICK3 | 2500 THOMAS DR APT 1615 EDMOND, OK 73003 | AFLAC | $52 | — | $52 | 0.08% |
| SHERRY ANN KIRK3 | 3312 WILDWOOD RD EDMOND, OK 73034 | AFLAC | $47 | — | $47 | 0.07% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $31 | — | $31 | 0.05% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $20 | — | $20 | 0.03% |
| JOSHUA C ROLAN3 | 704 SEMINOLE DR PAULS VALLEY, OK 73075 | AFLAC | $17 | — | $17 | 0.03% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $16 | — | $16 | 0.02% |
| JAMES MICHAEL WILLIAMS3 | 525 BROOKSIDE TER OKLAHOMA CITY, OK 73160 | AFLAC | $11 | — | $11 | 0.02% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $10 | — | $10 | 0.01% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $3 | — | $3 | 0.00% |
| EDWARD A HALL JR3 | 2224 WOODMARSH CIR AUBURN, GA 30011 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.00% |
| JUDY C ELWOOD3 Filed as: JUDY CHRISTINE ELWOOD | 810526 S HIGHWAY 177 CARNEY, OK 748324845 | AMERITAS LIFE INSURANCE CORP. | $625 | — | $625 | 10.06% |
| JACQUELINE K QUALIZZA3 | ASSOCIATION INSURANCE SERVICES 12877 W 151TH STREET OLATHE, KS 66062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $522 | — | $522 | 9.23% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 72 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 68 | $6K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 124 | $73K |
| Short-term disability | AFLAC | 72 | $67K |
| Other(3 contracts, 3 carriers) | AFLAC | 124 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.