| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT MCCOY INSURANCE AGENCY INC3 Filed as: SCOTT MCCOY INSURANCE AGENCY, INC | 7030 SOUTH YALE AVE #109 TULSA, OK 74136 | BLUECROSS BLUESHIELD OF OKLAHOMA | $95K | — | $95K | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BEENFIT SERVICES, INC | 1300 S MAIN TULSA, OK 74119 | DELTA DENTAL | $9K | — | $9K | 5.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $806 | — | $806 | 0.48% |
| SCOTT MCCOY INSURANCE AGENCY INC3 | 7030 SOUTH YALE AVE #109 TULSA, OK 74136 | DEARBORN NATIONAL | $13K | — | $13K | 13.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 7030 S YALE AVE STE 109 TULSA, OK 74136 | DEARBORN NATIONAL | $2K | — | $2K | 1.85% |
| SCOTT MCCOY INSURANCE AGENCY INC3 Filed as: SCOTT MCCOY INSURANCE AGENCY, INC. | 1300 S MAIN STREET TULSA, OK 741193218 | VISION SERVICE PLAN | $2K | — | $2K | 3.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $94 | — | $94 | 0.19% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 681 | $2.4M |
| Dental | DELTA DENTAL | 346 | $168K |
| Vision | VISION SERVICE PLAN | 345 | $50K |
| Life insurance | DEARBORN NATIONAL | 712 | $100K |
| Short-term disability | DEARBORN NATIONAL | 712 | $100K |
| Long-term disability | DEARBORN NATIONAL | 712 | $100K |
| Other | DEARBORN NATIONAL | 712 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.