| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICH & CARTMILL, INC.3 | 2738 E 51ST STE 400 TULSA, OK 74105 | COMMUNITY CARE HMO | $18K | — | $18K | 1.00% |
| ROGERS BENEFIT GROUP INC3 | 5801E 41ST ST. STE. 711 TULSA, OK 74135 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 5.44% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE. 234 PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | — | $4K | $4K | 3.94% |
| RICH & CARTMILL, INC.3 | 2738 E 51ST ST STE 400 TULSA, OK 74105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $590 | $590 | 0.99% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $555 | $3K | 6.00% |
| RICH & CARTMILL, INC.3 | 2738 EAST 51ST STREET, SUITE 400 TULSA, OK 74105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $401 | $2K | 6.02% |
| RICH & CARTMILL, INC.3 | 2738 E 51ST ST STE 400 TULSA, OK 74105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $172 | $172 | 0.97% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE HMO | 262 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 138 | $101K |
| Vision | VISION SERVICE PLAN | 120 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $55K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $99K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.