| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $70K | $2K | $73K | 4.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $6K | $0 | $6K | 6.00% |
| DAVID A. MASCHINO3 Filed as: DAVID MASCHINO | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $687 | $0 | $687 | 2.81% |
| LUCRETIA M. JONES3 Filed as: LUCRETIA JONES | 32795 E COUNTY ROAD 1545 PAULS VALLEY, OK 73075 | AFLAC | $613 | $0 | $613 | 2.51% |
| CHARLES ROBERTS3 | 34550 AIRLINE RD PAULS VALLEY, OK 73075 | AFLAC | $612 | $0 | $612 | 2.51% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLIAMS COMPANY INC. | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $348 | $0 | $348 | 1.42% |
| THOMAS LEE NICHOLS3 Filed as: THOMAS NICHOLS | 27627 E COUNTY RD 1550 PAULS VALLEY, OK 73075 | AFLAC | $267 | $0 | $267 | 1.09% |
| MARCY A SCOTT3 Filed as: MARCY SCOTT | P.O. BOX 850574 YUKON, OK 73085 | AFLAC | $208 | $0 | $208 | 0.85% |
| LARRY D DENNY3 Filed as: LARRY DENNY | P.O. BOX 308 WETUMKA, OK 74883 | AFLAC | $154 | $0 | $154 | 0.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $20 | $0 | $20 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $841 | $0 | $841 | 6.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | DEARBORN NATIONAL | $299 | $126 | $425 | 9.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $560 | $0 | $560 | 13.87% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE, INC. | 400 GALLERIA PARKWAY #400 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $135 | $0 | $135 | 15.00% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 291 | $1.6M |
| Dental | DELTA DENTAL | 132 | $104K |
| Vision | VISION SERVICE PLAN | 95 | $13K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $24K |
| Other(4 contracts, 4 carriers) | AFLAC | 180 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.