| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMAA CITY, OK 73142 | BLUECROSS BLUESHIELD OF OKLAHOMA | $100K | $0 | $100K | 3.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $5K | $30K | 12.94% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR #D SUITE 350 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.28% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775-D GLENRIDGE DR SUITE 350 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | $66K | $4K | $70K | 36.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | RELIASTAR LIFE INSURANCE COMPANY | $22K | $0 | $22K | 11.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 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 | 851 | 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) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 773 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 803 | $236K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 803 | $236K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 851 | $191K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 569 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $20K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 851 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.