| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC. | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | HEALTH CARE SERVICE CORPORATION | $30K | $10K | $39K | 0.37% |
| INSURICA, INC. | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $6K | $24K | 3.11% |
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 | 947 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,658 | $10.5M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,658 | $10.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $770K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $770K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $770K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,658 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.