| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP INC | P. O. BOX 1309 MUSKOGEE, OK 74402 | COMPANION LIFE | $4K | — | $4K | 3.09% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP INC | PO BOX 1309 MUSKOGEE, OK 74402 | DELTA DENTAL | $5K | $7K | $12K | 14.98% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP INC | P. O. BOX 1309 MUSKOGEE, OK 74402 | OPTUM HEALTH CARE SOLUTIONS | $864 | — | $864 | 5.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP INC EIN 73-1478844 NONE | Contract Administrator Service code 13 | P. O. BOX 1309 MUSKOGEE, OK 74402 | $86K |
| PHX EIN 86-1040704 NONE | Contract Administrator Service code 13 | — | $13K |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE | 189 | $153K |
| Dental | DELTA DENTAL | 196 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.