| 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 | — | $45K | $45K | 4.84% |
| MASCHINO HUDELSON & ASSOCIATES3 Filed as: MASCHINO, HUDELSON, & ASSOCIATES | 4811 GAILLARDIA PKWY #300 OKLAHOMA CITY, OK 731421858 | UNITED HEALTHCARE | — | $2K | $2K | 0.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $5K | $7K | $12K | 14.25% |
| DISABILITY RMS5 | 300 SOUTH BOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE | — | $6K | $6K | 14.00% |
| SHERRY BARTON3 | 3030 NW EXPRESSWAY SUITE 1800 OKLAHOMA CITY, OK 73112 | NEW YORK LIFE INSURANCE | $3K | — | $3K | 7.39% |
| RAEGAN BARNES3 | 3030 NW EXPRESSWAY SUITE 1800 OKLAHOMA CITY, OK 73112 | NEW YORK LIFE INSURANCE | $1K | — | $1K | 2.55% |
| DISABILITY RMS5 | 300 SOUTH BOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | — | $5K | $5K | 16.00% |
| SHERRY BARTON3 | 3030 NW EXPRESSWAY SUITE 1800 OKLHOMA CITY, OK 73112 | NEW YORK LIFE INSURANCE COMPANY | $2K | — | $2K | 7.41% |
| RAEGAN BARNES3 | 3030 NW EXPRESSWAY SUITE 1800 OKLAHOMA CITY, OK 73112 | NEW YORK LIFE INSURANCE COMPANY | $757 | — | $757 | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK)LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $995 | — | $995 | 5.90% |
| DISABILITY RMS5 | 300 SOUTH BOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | — | $2K | $2K | 15.00% |
| SHERRY BARTON3 | 3030 NW EXPRESSWAY SUITE 1800 OKLAHOMA CITY, OK 73112 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 7.38% |
| RAEGAN BARNES3 | 3030 NW EXPRESSWAY SUITE 1800 OKLAHOMA CITY, OK 73112 | NEW YORK LIFE INSURANCE COMPANY | $434 | — | $434 | 2.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORTATE SVCS OK LLC | 4811 GAILLARDIA PKWAY, STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.92% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 159 | $941K |
| Dental | DELTA DENTAL | 129 | $82K |
| Vision | VISION SERVICE PLAN | 122 | $17K |
| Life insurance | NEW YORK LIFE INSURANCE | 171 | $39K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 171 | $50K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 62 | $17K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 49 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.