| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $72K | $0 | $72K | 5.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1300 SOUTH MAIN STREET TULSA, OK 74119 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $54 | $3K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $982 | $982 | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 17.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.31% |
| LINDA R. HARRISON3 | 3606 LIBERTY DRIVE MOORE, OK 73160 | AFLAC | $2K | $0 | $2K | 13.39% |
| RACHEL D. AUKEMA3 | 524 NW EUBANKS STREET OKLAHOMA CITY, OK 73118 | AFLAC | $2K | $274 | $2K | 12.84% |
| SUSAN D. STOREY3 | 10408 LIGHTNING CREEK DRIVE YUKON, OK 73099 | AFLAC | $1K | $0 | $1K | 8.47% |
| SHEREE L. AMOS3 | 13937 TECHNOLOGY DRIVE, SUITE B OKLAHOMA CITY, OK 73134 | AFLAC | $840 | $0 | $840 | 4.87% |
| TISDALE AND ASSOCIATES, INC.3 | 7737 SOUTH MINGO ROAD APARTMENT 908 TULSA, OK 74133 | AFLAC | $586 | $0 | $586 | 3.40% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD AND OTHER AGENTS | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $332 | $0 | $332 | 1.93% |
| CAROLYN BENDER3 | 917 EGGLESTON STREET FORT COLLINS, CO 80524 | AFLAC | $94 | $0 | $94 | 0.55% |
| LINDA R. HARRISON3 | 3606 LIBERTY DRIVE MOORE, OK 73160 | AMERICAN FIDELITY ASSURANCE COMPANY | $746 | $0 | $746 | 10.76% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 315 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $80K |
| Vision | VISION SERVICE PLAN | 110 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $71K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 315 | $1.3M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.