| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | AETNA LIFE INSURANCE COMPANY | $0 | $36K | $36K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $4K | $0 | $4K | 8.00% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA FRY-STEWART AND OTHER AGENTS | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 19.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $121 | $4K | 10.61% |
| TIFFANY DENNY3 | PO BOX 306 WETULMA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $980 | $259 | $1K | 3.11% |
| CHRISTY MAE WOODARD3 | 5405 SUDBURY LANE OKLAHOMA CITY, OK 73135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | $82 | $415 | 1.04% |
| BANEZA RICHARDS3 | 4524 CRESTMERE LANE EDMOND, OK 73025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $124 | $219 | 0.55% |
| CHRISTY LEIGH GERMANY3 | 2116 RUSHING SPRINGS TRAIL EDMOND, OK 73016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $0 | $208 | 0.52% |
| FREEMAN INSURANCE SERVICES LLC3 Filed as: FREEMAN INSURANCE AGENCY, LLC | 2228 SHADOWLAKE DRIVE OKLAHOMA CITY, OK 73159 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $1 | $78 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 555 SOUTH PERRYVILLE ROAD ROCKFORD, IL 61108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $978 | $978 | 3.49% |
| MJ INSURANCE3 Filed as: DESTIN GREEN AND VARIOUS AGENTS | 203 OAKWOOD DRIVE HENRYETTA, OK 74437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 14.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 9.81% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $473 | $145 | $618 | 3.58% |
| CHRISTI MAE WOODARD3 | 5405 SUDBURY LANE OKLAHOMA CITY, OK 73135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | $108 | $476 | 2.75% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $65 | $300 | 1.74% |
| CHRISTY LEIGH GERMANY3 | 2116 RUSHING SPRINGS TRAIL EDMOND, OK 73016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.20% |
| FREEMAN INSURANCE SERVICES LLC3 Filed as: FREEMAN INSURANCE AGENCY, LLC | 2228 SHADOWLAKE DRIVE OKLAHOMA CITY, OK 73159 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $674 | $0 | $674 | 7.94% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 220 | $756K |
| Dental | DELTA DENTAL | 89 | $51K |
| Vision | VISION SERVICE PLAN | 63 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $28K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 52 | $57K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 183 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.