| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH L. WORTHY3 | PO BOX 1664 DURANT, OK 74702 | AFLAC | $13K | $36 | $13K | 11.95% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $4K | $8 | $4K | 3.30% |
| KEVIN S. RIBERA3 | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $3K | $8 | $3K | 2.96% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $795 | — | $795 | 0.74% |
| TIMOTHY W. WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $360 | — | $360 | 0.34% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHER AFLAC AGENTS | VARIOUS VARIOUS, OK 74137 | AFLAC | $305 | — | $305 | 0.28% |
| DAVID E. ESTEP3 | PO BOX 1017 HUGO, OK 74743 | AFLAC | $277 | — | $277 | 0.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.75% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DENTAL DENTAL | $3K | — | $3K | 6.00% |
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 | 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 | 178 | $1.4M |
| Dental | DENTAL DENTAL | 121 | $58K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 222 | $73K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 222 | $180K |
| Short-term disability | AFLAC | 133 | $107K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 222 | $73K |
| Other | AFLAC | 133 | $107K |
| 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.