| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $76K | $1K | $77K | 4.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $7K | $0 | $7K | 6.00% |
| 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 | $4K | $0 | $4K | 15.00% |
| 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 | $4K | $0 | $4K | 15.00% |
| 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 | $3K | $0 | $3K | 15.00% |
| DAVID A. MASCHINO3 Filed as: DAVID MASCHINO | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $803 | $0 | $803 | 3.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $715 | $0 | $715 | 3.24% |
| LUCRETIA M. JONES3 Filed as: LUCRETIA M JONES | 32795 E COUNTY ROAD 1545 PAULS VALLEY, OK 73075 | AFLAC | $531 | $0 | $531 | 2.40% |
| GLENDA S MOSBY3 | 2401 NW 48TH ST OKLAHOMA CITY, OK 73112 | AFLAC | $403 | $0 | $403 | 1.82% |
| CHARLES M ROBERTS3 | 34550 AIRLINE RD PAULS VALLEY, OK 73075 | AFLAC | $352 | $0 | $352 | 1.59% |
| CHARLES M ROBERTS3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $290 | $0 | $290 | 1.31% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $274 | $0 | $274 | 1.24% |
| THOMAS LEE NICHOLS3 Filed as: THOMAS L NICHOLS | 27627 E COUNTY ROAD 1550 PAULS VALLEY, OK 73075 | AFLAC | $185 | $0 | $185 | 0.84% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $123 | $0 | $123 | 0.56% |
| MARCY A SCOTT3 | PO BOX 850574 YUKON, OK 73085 | AFLAC | $76 | $0 | $76 | 0.34% |
| PAUL BURNETT ROBBINS3 | 17492 NCR 3280 PAULS VALLEY, OK 73075 | AFLAC | $63 | $0 | $63 | 0.29% |
| MARCY A SCOTT3 | 13805 E DEER CREEK RD NEWALLA, OK 74857 | AFLAC | $60 | $0 | $60 | 0.27% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $8 | $0 | $8 | 0.04% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $3 | $0 | $3 | 0.01% |
| SHANE M OWEN3 Filed as: SHANE M OWENS | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $904 | $0 | $904 | 6.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY STE 300 OKLAHOMA CITY, OK 73142 | DEARBORN NATIONAL | $323 | $223 | $546 | 11.00% |
| 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 | $599 | $0 | $599 | 14.99% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE, INC. | 400 GALLERIA PKWY #300 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $270 | $0 | $270 | 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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 298 | $1.7M |
| Dental | DELTA DENTAL | 142 | $109K |
| Vision | VISION SERVICE PLAN | 100 | $14K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $24K |
| Other(4 contracts, 4 carriers) | AFLAC | 193 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.