| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD #350 PLANO, TX 75093 | BLUECROSS BLUESHIELD OF OKLAHOMA | $152K | $0 | $152K | 1.34% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD # 350 PLANO, TX 75093 | AMERITAS LIFE INSURANCE COMPANY | $62K | $866 | $63K | 10.14% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | SYMETRA LIFE INSURANCE COMPANY | $85K | $17K | $102K | 18.00% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS | 1100 MIRA VISTA BLVD PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $0 | $35K | 8.24% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $189 | $13K | 3.02% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 1.99% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $270 | $8K | 1.94% |
| GLYNDA C FRY-STEWART3 | 12060 84TH ST LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $138 | $3K | 0.62% |
| KATHY DARLENE HOUSTON EVANS3 | 912 W BROADWAY AVE ELK CITY, OK 73644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $12 | $2K | 0.55% |
| VANESSA ANN LAWSON3 | 3645 24TH AVENUE SE NORMAN, OK 73071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 0.51% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD PLANO, TX 75093 | VISION SERVICE PLAN | $15K | $0 | $15K | 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 | 1,250 | 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) | 1,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 2,093 | $11.3M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 1,016 | $624K |
| Vision | VISION SERVICE PLAN | 941 | $149K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,270 | $566K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,270 | $990K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,270 | $566K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,270 | $990K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,093 | — |
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.