| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 | 5100 N CLASSEN BLVD STE 300 ATTN TIM MCFALL OKLAHOMA CITY, OK 73118 | DELTA DENTAL | — | $760 | $760 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 3856 S. BOULEVARD ST ATTN KRISTY VENTIMIGLA EDMOND, OK 73013 | DELTA DENTAL | — | — | $0 | 0.00% |
| NORTH AMERICAN INS. AGENCY, INC.3 Filed as: NORTH AMERICAN INS AGENCY | PO BOX 25928 OKLAHOMA CITY, OK 73125 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 18.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 3856 S. BOULEVARD ST STE 100 EDMOND, OK 73013 | HARTFORD LIFE AND ACCIDENT | $663 | — | $663 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 3856 S. BOULEVARD ST EDMOND, OK 73013 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 200 | $104K |
| Vision | VISION SERVICE PLAN | 221 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13 | $57K |
| Other | HARTFORD LIFE AND ACCIDENT | 13 | $57K |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.