| 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% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 8.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10001 WOODLOCH FOREST DRIVE WATERWAY PLAZA II, SUITE 175 THE WOODLANDS, TX 77380 | HCC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.04% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY AND OTHER AGENTS | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $326 | $38 | $364 | 2.74% |
| LUCRETIA M. JONES3 | 32795 EAST COUNTY ROAD 1545 PAULS VALLEY, OK 73075 | AFLAC | $268 | $0 | $268 | 2.01% |
| DAVID A. MASCHINO3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AFLAC | $251 | $0 | $251 | 1.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M. BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $222 | $0 | $222 | 1.67% |
| CHARLES M ROBERTS3 Filed as: CHARLES M. ROBERTS | 51776 EAST COUNTY ROAD 1520 STRATFORD, OK 74872 | AFLAC | $217 | $0 | $217 | 1.63% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A. WILLIAMS COMPANY, INC. | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $110 | $0 | $110 | 0.83% |
| THOMAS LEE NICHOLS3 Filed as: THOMAS L. NICHOLS | 27627 EAST COUNTY ROAD, SUITE 1550 PAULS VALLEY, OK 73075 | AFLAC | $109 | $0 | $109 | 0.82% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 166 | $154K |
| Vision | VISION SERVICE PLAN | 148 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $149K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $149K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $149K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.