| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421858 | UNITED HEALTHCARE | — | $52K | $52K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY STE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $21K | $2K | $22K | 21.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $5K | $7K | $12K | 15.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 14.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 16.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK)LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERTIAGE LIFE INSURANCE | $4K | — | $4K | 31.02% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 169 | $980K |
| Dental | DELTA DENTAL | 132 | $80K |
| Vision | VISION SERVICE PLAN | 123 | $18K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE | 92 | $26K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 172 | $103K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 50 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.