| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421875 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $59K | $59K | 5.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421858 | DELTA DENTAL | $5K | $7K | $12K | 13.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 23.47% |
| SHANE M OWEN3 | 3100 S BERRY RD SUITE 100 NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $772 | — | $772 | 2.60% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.76% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $934 | $4K | 19.90% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $804 | $3K | 20.03% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED NEBEFITS SCV AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $796 | $3K | 20.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 427 S BOSTON AVE STE 502 TULSA, OK 741034110 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $795 | $271 | $1K | 20.12% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $721 | $244 | $965 | 20.07% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $1.0M |
| Dental | DELTA DENTAL | 123 | $84K |
| Vision | AMERITAS LIFE INSURANCE CORP | 120 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $35K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 94 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $16K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.