| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2322 WEST GRAND PARKWAY NORTH SUITE 100 KATY, TX 77449 | DELTA DENTAL OF OKLAHOMA | $9K | $0 | $9K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $14K | 14.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $622 | $0 | $622 | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $558 | $0 | $558 | 2.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, TX 73142 | VISION SERVICE PLAN | -$1 | $0 | -$1 | -0.00% |
| MICHAEL DALE DOBBINS3 Filed as: MICHAEL D. DOBBINS AND OTHER AGENTS | 106 EAST MCCLURE AVENUE PAULS VALLEY, OK 73075 | AFLAC | $951 | $0 | $951 | 4.60% |
| DAVID A. MASCHINO3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73075 | AFLAC | $434 | $0 | $434 | 2.10% |
| LUCRETIA M. JONES3 | 32795 EAST COUNTY ROAD, SUITE 1545 PAULS VALLEY, OK 73075 | AFLAC | $388 | $0 | $388 | 1.88% |
| CHARLES M ROBERTS3 Filed as: CHARLES M. ROBERTS | 51776 EAST COUNTY ROAD, SUITE 1520 STRATFORD, OK 74872 | AFLAC | $370 | $0 | $370 | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M. BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $283 | $0 | $283 | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $245 | $0 | $245 | 1.18% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A. WILLIAMS COMPANY INC. | 20316 NORTH COURTY ROAD, SUITE 3240 PAULS VALLEY, OK 73075 | AFLAC | $197 | $0 | $197 | 0.95% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 168 | $152K |
| Vision | VISION SERVICE PLAN | 142 | $21K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $106K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $101K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $101K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.