| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $41K | $41K | 7.69% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $27K | $27K | 4.98% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE OKLAHOMA CITY, OK 73114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 15.66% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 9.98% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $506 | $2K | 1.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| THE FRANCIS GROUP LLC3 Filed as: THE FRANCIS GROUP, LLC | 403 NORTH STREET BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | VISION SERVICE PLAN | $11K | — | $11K | 13.71% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $2K | — | $2K | 2.28% |
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 | 777 | 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) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 595 | $80K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 777 | $535K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 777 | $535K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 777 | $535K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 777 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.