| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $57K | $5 | $57K | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 5.37% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $668 | $0 | $668 | 1.54% |
| THOMAS LEE NICHOLS AND OTHER AGENTS3 | 2625 NS 378 ROAD HOLDENVILLE, OK 74848 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $164 | $540 | 1.24% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $533 | $0 | $533 | 1.23% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $380 | $0 | $380 | 0.88% |
| LINDSEY AMANDA CREWS3 | 900 EAST LINDSEY STREET NORMAN, OK 73071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 0.43% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $704 | $0 | $704 | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | $0 | $272 | 3.44% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 1.97% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C. FRY-STEWART | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.52% |
| BENEFITS AT WORK LLC3 Filed as: BENEFITS AT WORK, LLC | 781 COUNTY STREET 2925 TUTTLE, OK 73089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.15% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| MJ INSURANCE3 Filed as: JOHN HEATH AND VARIOUS AGENTS | 501 MEADOWLARK LANE DURANT, OK 74601 | 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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 441 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 441 | $1.2M |
| Vision | VISION SERVICE PLAN | 57 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 194 | $35K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 59 | $51K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 441 | $1.2M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 194 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.