| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3856 SOUTH BOULEVARD, SUITE 100 EDMOND, OK 73013 | COVENTRY HEALTH AND LIFE | $28K | — | $28K | 4.00% |
| DAWNA WILLIAMS3 | 3024 SW 130TH STREET OKLAHOMA CITY, OK 73170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $17K | $20K | 42.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $609 | $12K | 25.68% |
| CODY FREEMAN3 | 2228 SHADOWLAKE DRIVE OKLAHOMA CITY, OK 73159 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $10K | $11K | 23.97% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA FRY-STEWART AND OTHER AGENTS | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 18.32% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 10.96% |
| DERRICK DANIEL GREEN3 | 203 OAKWOOD DRIVE HENRYETTA, OK 74437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $4K | $5K | 10.17% |
| DESTIN GREEN3 | 203 OAKWOOD DRIVE HENRYETTA, OK 74437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $4K | — | $4K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 16.41% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 206 | $707K |
| Dental | DELTA DENTAL | 82 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $25K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 72 | $48K |
| Prescription drug | COVENTRY HEALTH AND LIFE | 206 | $707K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 172 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.