| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEREK M RADER4 | 1605 S EUCALYPTUS AVE, SUITE 200 BROKEN ARROW, OK 74012 | COMMUNITY CARE | — | $93K | $93K | 4.66% |
| DEREK M RADER4 | 1605 S EUCALYPTUS AVE, SUITE 200 BROKEN ARROW, OK 74012 | VSP | $1K | — | $1K | 4.57% |
| DEREK M RADER4 | 1605 S EUCALYPUS AVE, SUITE 200 BROKEN ARROW, OK 74012 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.25% |
| DEREK M RADER3 | 1605 S EUCALYPTUS AVE, SUITE 200 BROKEN ARROW, OK 74012 | UNION SECURITY INSURANCE COMPANY | $450 | — | $450 | 14.99% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 285 | $32K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 340 | $7K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 340 | $7K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 7 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.