| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | COMMUNITYCARE | $114K | $0 | $114K | 3.51% |
| USI INSURANCE SERVICES LLC3 | 316 SE SHAWNEE BARTLESVILLE, OK 74003 | COMMUNITYCARE | $20K | $0 | $20K | 0.62% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $15K | $57K | 16.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.45% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVAD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.93% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | DELTA DENTAL | $25K | — | $25K | 8.34% |
| USI INSURANCE SERVICES LLC3 | 11600 BROADWAY EXTENSION, SUITE 100 OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $5K | — | $5K | 1.66% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.13% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $238 | $0 | $238 | 0.81% |
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 | 521 | 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) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 760 | $3.3M |
| Dental | DELTA DENTAL | 410 | $296K |
| Vision | AETNA LIFE INSURANCE COMPANY | 755 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $350K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $350K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $350K |
| Prescription drug | COMMUNITYCARE | 760 | $3.3M |
| Other(2 contracts, 2 carriers) | COMMUNITYCARE | 760 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.