| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | BLUE CROSS/BLUE SHIELD | $34K | — | $34K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $4K | $8K | $12K | 11.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 3.07% |
| MICHAEL WELLER | 3016 WAKEFIELD RD EDMOND, OK 73034 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.00% |
| OKLAHOMA AUTOMOBILE DEALERS5 | C/O STEVE RANKIN OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $658 | $658 | 1.13% |
| ASSURANCE AGENCY LTD4 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$909 | $7 | -$902 | -1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 19.48% |
| ASSURANCE AGENCY LTD4 Filed as: AMERICAN FIDELITY ASSURANCE COMAPNY | P.O.BOX25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 12.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $347 | $1K | 19.65% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS/BLUE SHIELD | 228 | $1.1M |
| Dental | DELTA DENTAL | 121 | $109K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 98 | $58K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 98 | $79K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.