| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN INC. | PO BOX 1534 ARDMORE, OK 734021534 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $125K | $125K | 2.30% |
| NORTH AMERICAN INSURANCE AGENCY3 Filed as: NORTH AMERICAN INS AGENCY OF LAWTON | PO BOX 949 LAWTON, OK 735020949 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 0.79% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 14.07% |
| NORTH AMERICAN INSURANCE AGENCY3 Filed as: NORTH AMERICAN INSURANCE AGENCY OF | 10 SW 2ND ST STE 1 LAWTON, OK 735014027 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| NORTH AMERICAN INSURANCE AGENCY3 Filed as: NORTH AMERICAN INSURANCE AGENCY OF | 10 SW 2ND ST STE 1 LAWTON, OK 73501 | DELTA DENTAL OF OKLAHOMA | $7K | — | $7K | 4.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $2K | — | $2K | 2.91% |
| NORTH AMERICAN INSURANCE AGENCY3 | PO BOX 949 LAWTON, OK 735020949 | VISION SERVICE PLAN | $912 | — | $912 | 1.37% |
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 | 776 | 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) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $5.4M |
| Dental | DELTA DENTAL OF OKLAHOMA | 615 | $185K |
| Vision | VISION SERVICE PLAN | 494 | $67K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 894 | $200K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 894 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 894 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.