| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANTZ & FRANTZ3 | PO BOX 3448 ENID, OK 73702 | SUNLIFE INSURANCE COMPANY | $5K | — | $5K | 11.77% |
| RESOURCE ONE ADMINISTRATORS3 | 1350 SOUTH BOULDER TULSA, OK 74119 | SUNLIFE INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| RESOURCE ONE ADMINISTRATORS3 | 1350 SOUTH BOULDER TULSA, OK 74119 | OPTUM HEALTH SOLUTIONS | $2K | — | $2K | 11.11% |
| JAMES D FRANTZ3 | 324 W BROADWAY PO BOX 3448 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $197 | $197 | $394 | 30.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RESOURCE ONE ADMINISTRATORS EIN 73-1549009 NONE | Claims processing Service code 12 | — | $45K |
| VOLTAIRE HEALTH, LLC DBA PAYER COMP EIN 46-2047081 NONE | Claims processing Service code 12 | — | $13K |
| CLEAR HEALTH EIN 27-1374374 NONE | Claims processing Service code 12 | — | $11K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUNLIFE INSURANCE COMPANY | 153 | $46K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICAN INSURANCE COMPANY | 123 | $161K |
| Other(2 contracts, 2 carriers) | OPTUM HEALTH SOLUTIONS | 193 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.