| 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 | $85K | $85K | 4.36% |
| INSURICA, INC.3 Filed as: INSURICA INC | 5100 N CLASSEN BLVD, STE 300 OKLAHOMA CITY, OK 731185263 | VISION SERVICE PLAN | $1K | — | $1K | 5.14% |
| INSURICA, INC.3 Filed as: INSURICA INC | 5100 N CLASSEN BLVD, STE 300 OKLAHOMA CITY, OK 73118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 13.53% |
| INSURICA, INC.3 Filed as: INSURICA INC | 5100 N CLASSEN BLVD, STE 300 OKLAHOMA CITY, OK 73118 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.23% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 262 | $1.9M |
| Vision | VISION SERVICE PLAN | 184 | $24K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 241 | $10K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 241 | $10K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 16 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.