| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, 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, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 15.00% |
| MJ INSURANCE3 Filed as: MARCY A. SCOTT AND VARIOUS AGENTS | 13805 EAST DEER CREEK ROAD NEWALLA, OK 74857 | AFLAC | $522 | $85 | $607 | 2.86% |
| DAVID A. MASCHINO3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $502 | $0 | $502 | 2.36% |
| LUCRETIA M. JONES3 | 32795 EAST COUNTY ROAD 1545 PAULS VALLEY, OK 73075 | AFLAC | $439 | $0 | $439 | 2.07% |
| CHARLES M ROBERTS3 Filed as: CHARLES M. ROBERTS | 3100 SOUTH BERRY ROAD, SUITE 100 NORMAN, OK 73072 | AFLAC | $427 | $0 | $427 | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M. BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $247 | $0 | $247 | 1.16% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A. WILLIAMS COMPANY, INC. | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $234 | $0 | $234 | 1.10% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $140 | $0 | $140 | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $948 | $0 | $948 | 6.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | DEARBORN LIFE INSURANCE COMPANY | $275 | $0 | $275 | 6.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $135 | $0 | $135 | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $27 | $0 | $27 | 15.17% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 145 | $111K |
| Vision | VISION SERVICE PLAN | 110 | $16K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $89K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $85K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.