| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICH & CARTMILL, INC.3 | 2738 E 51ST STE 400 TULSA, OK 74105 | COMMUNITY CARE HMO | $22K | — | $22K | 1.72% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | DELTA DENTAL | $4K | $9K | $13K | 19.56% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.98% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 100 E CALIFORNIA 400 OKLAHOMA CITY, OK 73104 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $142 | — | $142 | 0.38% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.51% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $532 | — | $532 | 15.00% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE HMO | 209 | $1.3M |
| Dental | DELTA DENTAL | 108 | $68K |
| Vision | VISION SERVICE PLAN | 84 | $9K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $50K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.