| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIERSOURCE LLC3 | 211 N. ROBINSON AVE., SUITE 1490 OKLAHOMA CITY, OK 73102 | DELTA DENTAL OF OKLAHOMA | $3K | — | $3K | 3.49% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE., SUITE 700 OKLAHOMA CITY, OK 73102 | DELTA DENTAL OF OKLAHOMA | $2K | — | $2K | 2.51% |
| PREMIERSOURCE LLC3 | 211 N. ROBINSON AVE., SUITE 1490 OKLAHOMA CITY, OK 73102 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.21% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE., SUITE 700 OKLAHOMA CITY, OK 73102 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.79% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH STREET FORT WORTH, TX 76102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FT. WORTH, TX 76102 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.17% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 153 | $84K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 245 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 183 | $31K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 53 | $14K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $31K |
| Other | HARTFORD LIFE AND ACCIDENT | 183 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.