| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 615 EAST BRITTON RD OKLAHOMA CITY, OK 73114 | BLUE CROSS BLUE SHIELD | $68K | $9K | $78K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $9K | $19K | $27K | 16.72% |
| MICHAEL WELLER3 | 3016 WAKEFIELD ROAD EDMOND, OK 73034 | AMERICAN FIDELITY | $6K | — | $6K | 3.94% |
| OKLA AUTOMOBILE DEALERS4 | C/O STEVE RANKIN OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY | — | $3K | $3K | 1.78% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY | $784 | — | $784 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 73144 | AMERICAN FIDELITY | $507 | — | $507 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3856 S. BOULEVARD STE 100 EDMOND, OK 73013 | UNITED OF OMAHA LIFE | $9K | $3K | $12K | 16.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | — | $197K | $197K | 330.26% |
| MICHAEL WELLER3 | 3016 WAKEFIELD RD EDMOND, OK 73034 | AMERICAN FIDELITY | $2K | — | $2K | 3.86% |
| OKLA AUTOMOBILE DEALERS4 | C/O STEVE RANKIN OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY | — | $814 | $814 | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E. BRITTON RD OKLAHOMA CITY, OK 73114 | AMERICAN FIDELITY | $558 | — | $558 | 1.15% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY | $23 | — | $23 | 0.05% |
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 | 561 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 561 | $2.6M |
| Dental | DELTA DENTAL | 340 | $163K |
| Vision | VISION SERVICE PLAN | 237 | $60K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN FIDELITY | 510 | $275K |
| Short-term disability | AMERICAN FIDELITY | 0 | $155K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY | 36 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.