| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOWEN FINANCIAL GROUP3 | 7633 EAST 63RD PLACE SUITE 450 TULSA, OK 74133 | COMMUNITYCARE HMO | — | $41K | $41K | 3.71% |
| BOWEN FINANCIAL GROUP3 | 7633 EAST 63RD STREET SUITE 450 TULSA, OK 74133 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| REDBUD FINANCIAL GROUP LLC3 | 1900 NW EXPRESSWAY OKLAHOMA CITY, OK 73118 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 100 EAST CALIFORNIA SUITE 400 OKLAHOMA CITY, OK 73104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.02% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS | 100 EAST CALIFORNIA SUITE 400 OKLAHOMA CITY, OK 73104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.01% |
| DEREK SZECSODI3 | 2217 NW 196TH STREET EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $1K | $2K | 6.76% |
| BOWEN FINANCIAL GROUP3 | 7633 EAST 63RD PLACE SUITE 450 TULSA, OK 74133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| STEVEN WILSON3 | 425 SOUTH FRETZ AVENUE EDMOND, OK 73003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | $715 | $1K | 5.39% |
| TRACI THOMAS3 | 425 SOUTH FRETZ AVE EDMOND, OK 73003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $283 | $763 | 2.89% |
| IFC BENEFIT SOLUTIONS INC3 | 1600 AIRPORT FREEWAY BEDFORD, TX 76022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | — | $550 | 2.09% |
| BROOKE CAROLYN MATTSON3 | 4208 SE 41ST STREET NORMAN, OK 73071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | — | $488 | 1.85% |
| CINDY RISKY3 | 1013 SW 13TH STREET MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $40 | $233 | 0.88% |
| NATALIE MICHELLE ORTIZ3 | 425 SOUTH FRETZ EDMOND, OK 73003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.55% |
| CALVIN DORSEY3 | 2049 VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.47% |
| KELLY W PUGH3 | 7367 SOUTH 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $21 | $105 | 0.40% |
| JACQUELINE ST HILAIRE3 | 2312 BLUE CYPRESS DRIVE RICHARDSON, TX 75082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.25% |
| SHANNON MARIE BALDWIN3 | 10222 EAST 114TH STREET SOUTH BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.25% |
| GARY TWYMAN3 | 4924 CHAMPLAIN PLACE EDMOND, OK 73025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.20% |
| BRANDI KAVANAUGH3 | 3150 AVENUE OF THE STARS FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.19% |
| LISA A PERRI3 Filed as: LISA LAWSON | 9827 BIRCH DRIVE PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.17% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.14% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.14% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| TONY HALL3 | PO BOX 3397 CEDAR HILL, TX 75106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| NIKGREJESKEN INC3 | 120 SHELBY ROAD SHERWOOD, AR 72120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| JANA LEE ALMEJO3 | 2504 SANTA FE TRAIL SANGER, TX 76266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| TERRELL JOSEPH THORNE3 | 2060 COUNTY ROAD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BOWEN FINANCIAL GROUP3 Filed as: BOWEN FINANCIAL GROUP LLC | 7633 EAST 63RD PLACE SUITE 450 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.79% |
| CATALYST BENEFITS GROUP LLC3 | 1135 EAST 33RD PLACE TULSA, OK 741052501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $257 | — | $257 | 1.21% |
| BOWEN FINANCIAL GROUP3 Filed as: BOWEN FINANCIAL GROUP LLC | 7633 EAST 63RD PLACE SUITE 450 TULSA, OK 741331200 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.80% |
| CATALYST BENEFITS GROUP LLC3 | 1135 EAST 33RD PLACE TULSA, OK 741052501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $167 | — | $167 | 1.21% |
| BOWEN FINANCIAL GROUP3 Filed as: BOWEN FINANCIAL GROUP LLC | 7633 EAST 63RD PLACE SUITE 450 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.83% |
| CATALYST BENEFITS GROUP LLC3 | 1135 EAST 33RD PLACE TULSA, OK 741052501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $159 | — | $159 | 1.17% |
| BOWEN FINANCIAL GROUP3 Filed as: BOWEN FINANCIAL GROUP LLC | 7633 EAST 63RD PLACE SUITE 450 TULSA, OK 741331200 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.85% |
| CATALYST BENEFITS GROUP LLC3 | 1135 EAST 33RD PLACE TULSA, OK 741052501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $127 | — | $127 | 1.15% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 163 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $72K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $14K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.