| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $43K | — | $43K | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY #300 OKLAHOMA CITY, OK 73142 | LINCOLN NATIONAL LIFE INSURANCE CO | $6K | $5K | $11K | 17.12% |
| MICHELLE SCHAFER3 | 1102 NOTTINGHAM ENID, OK 73703 | AFLAC | $7K | $126 | $7K | 11.88% |
| EUGENIA JENKS-WHITSITT3 | 1210 CANSLER DRIVE ENID, OK 73703 | AFLAC | $2K | $25 | $2K | 3.28% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $922 | $25 | $947 | 1.64% |
| JACQUELINE K QUALIZZA3 Filed as: JACQUELINE QUALIZZA | 12877 W 151 ST STREET OLATHE, KS 66062 | AFLAC | $404 | — | $404 | 0.70% |
| COLLEEN WELLONS3 | 2726 VILLA DR EL RENO, OK 73036 | AFLAC | $261 | — | $261 | 0.45% |
| BOBBY STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $240 | — | $240 | 0.42% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $165 | — | $165 | 0.29% |
| DEVON SCHAFER3 | 1102 NOTTINGHAM RD ENID, OK 73703 | AFLAC | $157 | — | $157 | 0.27% |
| SHARLYN SHEPARD3 | PO BOX 296 RUMSON, NJ 07760 | AFLAC | $147 | — | $147 | 0.25% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $119 | — | $119 | 0.21% |
| STEPHEN W SIMPSON3 Filed as: STEPHEN SIMPSON | 541 CONQUISTADOR CT EDMOND, OK 73025 | AFLAC | $100 | — | $100 | 0.17% |
| CHARLES ANDERSON3 | 1984 OLDE RIDGE RD EDMOND, OK 73012 | AFLAC | $95 | — | $95 | 0.16% |
| BRENDA MEACHAM3 | 200 EAST GARY BLVD CLINTON, OK 73601 | AFLAC | $86 | — | $86 | 0.15% |
| DARIN WHITSITT3 | 1210 CANSLER ENID, OK 73703 | AFLAC | $83 | — | $83 | 0.14% |
| DEBRA SHERLOCK3 | 2216 SUNRISE AVE GRAND ISLAND, NE 68803 | AFLAC | $79 | — | $79 | 0.14% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $77 | — | $77 | 0.13% |
| AMBER CLAY3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $77 | — | $77 | 0.13% |
| SHAWN R. GRANDI3 | 3205 RAIN TREE OKLAHOMA CITY, OK 73120 | AFLAC | $60 | — | $60 | 0.10% |
| JODIE V STRECK3 | 524 N CHEYENNE ST HENNESSEY, OK 73742 | AFLAC | $58 | — | $58 | 0.10% |
| SHIRLEY MISCEVICH3 | 9919 W 56TH TERR MERRIAM, KS 66203 | AFLAC | $40 | — | $40 | 0.07% |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $32 | — | $32 | 0.06% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH | 455 S SAM BARR DR SUITE 205 KEARNEY, MO 64060 | AFLAC | $31 | — | $31 | 0.05% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $31 | — | $31 | 0.05% |
| RICHARD W. CORNELL3 | 1611 ST ANDREWS DRIVE STE 22 LAWRENCE, KS 66047 | AFLAC | $30 | — | $30 | 0.05% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $29 | — | $29 | 0.05% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | PO BOX 492203 REDDING, CA 96049 | AFLAC | $25 | — | $25 | 0.04% |
| KELLY A GRAMLICH3 Filed as: KELLY A. GRAMLICH | 7509 NW TIFFANY SPRINGS PKWY 100 KANSAS CITY, MO 64153 | AFLAC | $24 | — | $24 | 0.04% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $23 | — | $23 | 0.04% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $12 | — | $12 | 0.02% |
| TERRY SPERLE3 | 1211 N GLENN L ENGLISH ST CORDELL, OK 73632 | AFLAC | $10 | — | $10 | 0.02% |
| SHELLEY CARLSON3 | 22588 EAST 1090 ROAD CLINTON, OK 73601 | AFLAC | $9 | — | $9 | 0.02% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $8 | — | $8 | 0.01% |
| JOSHUA C ROLAN3 Filed as: JOSHUA ROLAN | 704 SEMINOLE DR PAULS VALLEY, OK 73075 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY RD 3240 PAULS VALLEY, OK 73075 | AFLAC | $7 | — | $7 | 0.01% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR COLUMBIA, SC 29229 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANTHILL, MO 64080 | AFLAC | $5 | — | $5 | 0.01% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN SAMUAEL KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $4 | — | $4 | 0.01% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.00% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 8545 SW 86TH TER OCALA, FL 34481 | AFLAC | $1 | — | $1 | 0.00% |
| ANGELA M COOK3 | 5608 NE HIDDEN MEADOW CIR LEES SUMMIT, MO 64064 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 354 LAKESIDE DR LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES E SHEPARD3 Filed as: JAMES SHEPARD | 11150 GREENWOOD ST APT 323 LENEXA, KS 66215 | AFLAC | — | — | $0 | 0.00% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | — | — | $0 | 0.00% |
| CHRISTOPHER THOMAS HIPP3 | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | — | — | $0 | 0.00% |
| KENNETH D MORRIS JR3 | 5410 PLYMOTH DR LAWRENCE, KS 66049 | AFLAC | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKY #300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 20.45% |
| MICHELLE SCHAFER3 | 1102 NOTTINGHAM RD ENID, OK 737033135 | VSP | $969 | — | $969 | 6.20% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 228 | $991K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE CO | 119 | $63K |
| Vision | VSP | 75 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $53K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.