| 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 | $43K | $43K | 4.57% |
| 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 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $310 | $3K | 6.87% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.30% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $0 | $522 | 1.14% |
| TRACY ELAINE PUTMAN3 | 6550 WINDRIDGE CIRCLE LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $461 | $0 | $461 | 1.01% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $0 | $370 | 0.81% |
| MICHAEL KURT MORGAN3 Filed as: MICHAEL K. MORGAN AND OTHER AGENTS | 2625 NS 378 ROAD HOLDENVILLE, OK 74848 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $365 | $0 | $365 | 0.80% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $4 | $362 | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $978 | $978 | 5.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $867 | $867 | 6.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $523 | $0 | $523 | 4.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $295 | $0 | $295 | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 3.45% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 2.00% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.73% |
| BENEFITS AT WORK LLC3 Filed as: BENEFITS AT WORK, LLC | 781 COUNTY STREET 2925 TUTTLE, OK 73089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.23% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.08% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.08% |
| DERRICK DANIEL GREEN3 Filed as: DERRICK D. GREEN AND OTHER AGENTS | 203 OAKWOOD DRIVE HENRYETTA, OK 74437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 224 | $931K |
| Dental | DELTA DENTAL | 81 | $51K |
| Vision | VISION SERVICE PLAN | 83 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $32K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 61 | $57K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 224 | $931K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 178 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.