| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH L. WORTHY3 | PO BOX 1664 DURANT, OK 74702 | AFLAC | $13K | $717 | $13K | 15.52% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $3K | $143 | $4K | 4.09% |
| KEVIN S. RIBERA3 | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $3K | $143 | $3K | 3.73% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $712 | — | $712 | 0.83% |
| DAVID E. ESTEP3 | PO BOX 1017 HUGO, OK 74743 | AFLAC | $683 | — | $683 | 0.80% |
| TIMOTHY W. WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $375 | — | $375 | 0.44% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHER AFLAC AGENTS | VARIOUS VARIOUS, OK 74137 | AFLAC | $297 | — | $297 | 0.35% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DENTAL DENTAL | $4K | — | $4K | 6.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $956 | $3K | 15.57% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 198 | $1.3M |
| Dental | DENTAL DENTAL | 130 | $57K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $17K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 222 | $116K |
| Short-term disability | AFLAC | 136 | $86K |
| Other(2 contracts, 2 carriers) | AFLAC | 222 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.