| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD #350 PLANO, TX 75093 | BLUECROSS BLUESHIELD OF OKLAHOMA | $250K | $0 | $250K | 2.66% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | SYMETRA LIFE INSURANCE COMPANY | $79K | $15K | $95K | 17.90% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD # 350 PLANO, TX 75093 | AMERITAS LIFE INSURANCE COMPANY | $48K | $2K | $51K | 10.50% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS | 1100 MIRA VISTA BLVD PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48K | $0 | $48K | 11.85% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $2K | $18K | 4.38% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 2.86% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $679 | $9K | 2.31% |
| GLYNDA C FRY-STEWART3 | 12060 84TH ST LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 1.36% |
| KATHY DARLENE HOUSTON EVANS3 | 912 W BROADWAY AVE ELK CITY, OK 73644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $117 | $3K | 0.79% |
| TRACY ELAINE PUTMAN3 | 6550 WINDRIDGE CIRCLE LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 0.72% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD PLANO, TX 75093 | VSP | $14K | $0 | $14K | 10.00% |
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 | 1,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 2,093 | $9.4M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 2,184 | $483K |
| Vision | VSP | 934 | $140K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,286 | $528K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,286 | $933K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,286 | $528K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,286 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.