| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 14101 WIRELESS WAY, SUITE 350 OKLAHOMA CITY, OK 73134 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.78% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.56% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3000 WEST MEMORIAL ROAD, SUITE 212 OKLAHOMA CITY, OK 73120 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $35 | $5K | 3.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 2.48% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 14101 WIRELESS WAY, SUITE 350 OKLAHOMA CITY, OK 73134 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $16 | $1K | 1.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $593 | $593 | 0.48% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $125K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $125K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $153K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $153K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $153K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.