| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AETNA LIFE INSURANCE COMPANY | $7K | $65K | $72K | 4.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL OF OKLAHOMA | $7K | $0 | $7K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 15.00% |
| MJ INSURANCE3 Filed as: LARRY D. BACON AND VARIOUS AGENTS | 906 SOUTH CANADIAN ROAD 324D PURCELL, OK 73080 | AFLAC | $1K | $0 | $1K | 4.66% |
| DAVID A. MASCHINO3 Filed as: DAVID MASCHINO | 4811 GAILARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $566 | $0 | $566 | 2.42% |
| LUCRETIA M. JONES3 | 32795 EAST COUNTY ROAD 1545 PAULS VALLEY, OK 73075 | AFLAC | $512 | $0 | $512 | 2.19% |
| CHARLES M ROBERTS3 Filed as: CHARLES M. ROBERTS | 3100 SOUTH BERRY ROAD, SUITE 100 NORMAN, OK 73072 | AFLAC | $475 | $0 | $475 | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $365 | $0 | $365 | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M. BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $317 | $0 | $317 | 1.35% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A. WILLIAMS COMPANY, INC. | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $262 | $0 | $262 | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $931 | $0 | $931 | 6.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $362 | $348 | $710 | 14.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 306 | $1.6M |
| Dental | DELTA DENTAL OF OKLAHOMA | 141 | $112K |
| Vision | VISION SERVICE PLAN | 105 | $15K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $75K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 306 | $1.6M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.