| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASCHINO HUDELSON & ASSOCIATES3 | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AETNA LIFE INSURANCE CO | $40K | $5K | $46K | 4.87% |
| MASCHINO HUDELSON & ASSOCIATES3 | 4811 GAILLARDIA PKY #300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $4K | $7K | $11K | 15.76% |
| MASCHINO HUDELSON & ASSOCIATES3 | 4811 GAILLARDIA PKY #300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 19.89% |
| MICHELLE SCHAFER3 | 1102 NOTTINGHAM ENID, OK 73703 | AFLAC | $4K | $110 | $4K | 7.03% |
| DEVON SCHAFER3 | 1102 NOTTINGHAM RD ENID, OK 73703 | AFLAC | $1K | $77 | $2K | 2.90% |
| EUGENIA JENKS-WHITSITT3 | 1210 CANSLER DRIVE ENID, OK 73703 | AFLAC | $1K | $37 | $2K | 2.80% |
| JACQUELINE K QUALIZZA3 Filed as: JACQUELINE QUALIZZA | 12877 W 151 ST STREET OLATHE, KS 66062 | AFLAC | $788 | $7 | $795 | 1.47% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $540 | $7 | $547 | 1.01% |
| COLLEEN WELLONS3 | 2726 VILLA DR EL RENO, OK 73036 | AFLAC | $271 | — | $271 | 0.50% |
| BOBBY STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $270 | — | $270 | 0.50% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $180 | — | $180 | 0.33% |
| JAMES E SHEPARD3 Filed as: JAMES SHEPARD | 11150 GREENWOOD ST APT 323 LENEXA, KS 66215 | AFLAC | $162 | — | $162 | 0.30% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $145 | — | $145 | 0.27% |
| DARIN WHITSITT3 | 1210 CANSLER ENID, OK 73703 | AFLAC | $128 | — | $128 | 0.24% |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $80 | $31 | $111 | 0.21% |
| STEPHEN W SIMPSON3 Filed as: STEPHEN SIMPSON | 541 CONQUISTADOR CT EDMOND, OK 73025 | AFLAC | $108 | — | $108 | 0.20% |
| CHARLES ANDERSON3 | 1984 OLDE RIDGE RD EDMOND, OK 73012 | AFLAC | $100 | — | $100 | 0.19% |
| BRENDA MEACHAM3 | 200 EAST GARY BLVD CLINTON, OK 73601 | AFLAC | $98 | — | $98 | 0.18% |
| DEBRA SHERLOCK3 | 8410 HOLLYNN LANE #90 LINCOLN, NE 68512 | AFLAC | $93 | — | $93 | 0.17% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $86 | — | $86 | 0.16% |
| JOHN A WILLIAMS COMPANY INC3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $44 | $37 | $81 | 0.15% |
| ANGELA M COOK | 5608 NE HIDDEN MEADOW CIR LEES SUMMIT, MO 64064 | AFLAC | $60 | — | $60 | 0.11% |
| SHAWN R. GRANDI3 | 3205 RAIN TREE OKLAHOMA CITY, OK 73120 | AFLAC | $56 | — | $56 | 0.10% |
| KELLY A GRAMLICH3 Filed as: KELLY A. GRAMLICH | 7509 NW TIFFANY SPRINGS PKWY 100 KANSAS CITY, MO 64153 | AFLAC | $40 | $9 | $49 | 0.09% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $36 | $9 | $45 | 0.08% |
| SHIRLEY MISCEVICH3 | 9919 W 56TH TERR MERRIAM, KS 66203 | AFLAC | $40 | — | $40 | 0.07% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH | 7509 NE TIFFANY SPRINGS PKWY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $39 | — | $39 | 0.07% |
| RICHARD W. CORNELL3 | 1611 ST ANDREWS DRIVE STE 22 LAWRENCE, KS 66047 | AFLAC | $34 | — | $34 | 0.06% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | PO BOX 492203 REDDING, CA 96049 | AFLAC | $32 | — | $32 | 0.06% |
| TERRY SPERLE3 | 11827 N 2230 RD CORDELL, OK 73632 | AFLAC | $17 | — | $17 | 0.03% |
| SHELLEY CARLSON3 | 22588 EAST 1090 ROAD CLINTON, OK 73601 | AFLAC | $15 | — | $15 | 0.03% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS PITZENBERGER3 | 2106 N LAZY BRANCH RD INDEPENDENCE, MO 64058 | AFLAC | $6 | — | $6 | 0.01% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 115 HIDE A WAY LANE CENTRAL HIDEAWAY, TX 75771 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE SCHAFER | 1102 NOTTINGHAM RD ENID, OK 737033135 | VSP | $277 | — | $277 | 10.00% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 211 | $993K |
| Dental | DELTA DENTAL | 108 | $68K |
| Vision | VSP | 44 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $61K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.