| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA INC | PO BOX 25928 OKLAHOMA CITY, OK 73125 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $76K | $76K | 4.21% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 731185263 | VISION SERVICE PLAN | $1K | — | $1K | 4.75% |
| DEREK M RADER3 | 1605 S EUCALYPTUS AVE STE 200 BROKEN ARROW, OK 740125996 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.10% |
| DEREK M RADER3 | 1615 EUCALYPTUS STE 208 BROKEN ARROW, OK 74012 | UNION SECURITY INSURANCE COMPANY | $792 | — | $792 | 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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 276 | $1.8M |
| Vision | VISION SERVICE PLAN | 202 | $29K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 234 | $8K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 234 | $8K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 5 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.