| 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 | $39K | $39K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $209 | $5K | 7.91% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $591 | $2K | 3.75% |
| MJ INSURANCE3 Filed as: BEATRIZ SANCHEZ AND VARIOUS AGENTS | 4323 CIRCLE DRIVE WARR ACRES, OK 73122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $119 | $1K | 2.27% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $994 | $78 | $1K | 1.82% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $717 | $0 | $717 | 1.22% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $102 | $541 | 0.92% |
| KATHY DARLENE HOUSTON EVANS3 | 912 WEST BROADWAY AVENUE ELK CITY, OK 73644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $367 | $7 | $374 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $4K | $0 | $4K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $681 | $11 | $692 | 4.50% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $0 | $307 | 2.00% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $72 | $274 | 1.78% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $8 | $41 | 0.27% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $2 | $35 | 0.23% |
| FREEMAN INSURANCE SERVICES LLC3 Filed as: FREEMAN INSURANCE AGENCY, LLC | 781 COUNTY STREET 2925 TUTTLE, OK 73089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.23% |
| MJ INSURANCE3 Filed as: JORGE DIAZ-DRUET AND VARIOUS AGENTS | 324 SHRILL STREET NORMAN, OK 73071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $796 | $0 | $796 | 7.06% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 218 | $827K |
| Dental | DELTA DENTAL | 96 | $55K |
| Vision | VISION SERVICE PLAN | 70 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $30K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $74K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 218 | $827K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 192 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.