| 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 | BCBS OF OKLAHOMA | $48K | — | $48K | 4.16% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | BCBS OF OKLAHOMA | $10K | — | $10K | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421858 | DELTA DENTAL | $4K | $6K | $10K | 11.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $898 | $1K | $2K | 2.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 731624048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $719 | — | $719 | 1.34% |
| 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 | $2K | $6K | 22.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421875 | VSP | $1K | — | $1K | 4.78% |
| 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 | $1K | $5K | 21.91% |
| 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 | $1K | $4K | 21.89% |
| 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 | $1K | $4K | 21.94% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $894 | $401 | $1K | 21.74% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | P.O. BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $805 | $377 | $1K | 22.01% |
| DISABILITY RMS3 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | $0 | $41 | $41 | 13.90% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF OKLAHOMA | 166 | $1.1M |
| Dental | DELTA DENTAL | 119 | $90K |
| Vision | VSP | 126 | $22K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $39K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 70 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $17K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 94 | $104K |
| 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."
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.