| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS ADVANTAGE LLC3 | 1605 S EUCALYPTUS STE 105 BROKEN ARROW, OK 74012 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| EMPLOYEE BENEFITS ADVANTAGE LLC3 Filed as: EMPLOYEE BENEFITS ADVANTAGE | 1605 S EUCALYPTUS STE 105 BROKEN ARROW, OK 74012 | DELTA DENTAL | — | $20K | $20K | 5.86% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES INC | 4775 E 91ST ST STE100 TULSA, OK 74137 | UNION SECURITY INSURANCE COMPANY | $27K | — | $27K | 29.98% |
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 | 605 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 475 | $343K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 605 | $376K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 605 | $465K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 605 | $376K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 417 | $379K |
| Other | UNION SECURITY INSURANCE COMPANY | 260 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.