| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | BLUECROSS BLUDSHIELD OF OKLAHOMA | $34K | — | $34K | 2.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUDSHIELD OF OKLAHOMA | $23K | — | $23K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 303395946 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| ELIZABETH L. WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $17K | $137 | $17K | 27.96% |
| JOSHUA WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $5K | $90 | $5K | 8.36% |
| TIMOTHY W. WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $4K | $267 | $4K | 6.57% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $3K | $90 | $3K | 5.56% |
| DAVID E. ESTEP3 Filed as: DAVID E ESTEP | PO BOX 1017 HUGO, OK 74743 | AFLAC | $87 | $37 | $124 | 0.20% |
| PATTY E. SWINK3 | 355 ROLLING WOOD HILLS DRIVE DURANT, OK 74701 | AFLAC | $70 | $10 | $80 | 0.13% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A. WILLIAMS COMPANY | 20316 N. COUNTRY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $62 | — | $62 | 0.10% |
| BILL G DUNCAN3 | 3883 TERRACE HILLS CT. PIEDMONT, OK 73078 | AFLAC | $45 | — | $45 | 0.07% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | P. O. BOX 306 WETUMKA, OK 74883 | AFLAC | $24 | — | $24 | 0.04% |
| F. WADE ALLEN3 | 3616 FAR WEST BLVD., #117303 AUSTIN, TX 78731 | AFLAC | $18 | — | $18 | 0.03% |
| FLOYD ALLEN JR3 Filed as: FLOYD W. ALLEN, JR. | 7504 S. ELM AVENUE BROKEN ARROW, OK 74011 | AFLAC | $11 | — | $11 | 0.02% |
| HARVEY L JACKS3 Filed as: HARVEY L. JACKS | 3111 VENICE COURT NORMAN, OK 73071 | AFLAC | $6 | — | $6 | 0.01% |
| MOFFATT DESIGNS LLC3 Filed as: MOFFATT DESIGNS, LLC | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES D GRACE3 Filed as: JAMES D. GRACE | 2474 W. NEW ORLEANS STREET BROKEN ARROW, OK 74011 | AFLAC | $4 | — | $4 | 0.01% |
| JOSHUA L JACKS3 Filed as: JOSHUA L. JACKS | 3000 UNITED FOUNDERS BLVD, STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $2 | — | $2 | 0.00% |
| CLINT HARDISON3 | P.O. BOX 480 ATOKA, OK 74525 | AFLAC | $2 | — | $2 | 0.00% |
| JARRELL K PRENTICE3 Filed as: JARRELL K. PRENTICE | 1113 EAST DRIVE EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1300 S. MAIN STREET TULSA, OK 74119 | DENTAL DENTAL | $2K | — | $2K | 3.47% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DENTAL DENTAL | $2K | — | $2K | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | UNION SECURITY INSURANCE COMPANY | $469 | $318 | $787 | 15.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 303395946 | UNION SECURITY INSURANCE COMPANY | $310 | — | $310 | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | — | $488 | 10.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 10.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 10.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | UNION SECURITY INSURANCE COMPANY | — | $525 | $525 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 731147710 | UNION SECURITY INSURANCE COMPANY | — | $386 | $386 | — |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUDSHIELD OF OKLAHOMA | 214 | $1.5M |
| Dental | DENTAL DENTAL | 125 | $61K |
| Vision(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 246 | $62K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 246 | $123K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 246 | $123K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 246 | $67K |
| Other(4 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 246 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.