| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 100 FRONT STREET, SUITE #610 WORCESTER, MA 01608 | UNIMERICA INSURANCE COMPANY | — | $13K | $13K | 7.24% |
| THE BRAMLETT AGENCY INC3 | 1505 NORTH COMMERCE SUITE 104 PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.73% |
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INSURANCE ADVISORS LLC | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.27% |
| REGGIE OZEROGLU3 | 2600 VAN BUREN STREET SUITE 2632 NORMAN, OK 73072 | USAVISION, INC. | $3K | — | $3K | 8.00% |
| MERITAIN HEALTH Filed as: AETNA LIFE INSURANCE COMPANY | 4300 CENTREWAY PLACE ARLINGTON, TX 76018 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | USAVISION, INC. | 175 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $91K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 349 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
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.