| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $53K | — | $53K | 4.91% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74134 | DEARBORN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.45% |
| FRASER INSURANCE INC3 Filed as: FRASER INSURANCE, INC. | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.26% |
| STEVEN WILSON3 | 1304 NORTHWEST 181ST STREET EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.66% |
| CALVIN DORSEY3 | 2049 VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.64% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.33% |
| KELLY W PUGH3 | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.23% |
| LISA A PERRI3 Filed as: LISA LAWSON | 9827 BIRCH DRIVE PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.15% |
| DERRICK DANIEL GREEN3 | 203 OAKWOOD DRIVE HENRYETTA, OK 74437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.15% |
| SHANNON MARIE BALDWIN3 | 14620 SOUTH 52ND EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| CINDY RISKY3 | 1013 SOUTHWEST 13TH STREET MOORE, OK 73160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.13% |
| TONY HALL3 | 1608 ALLEN DRIVE CEDAR HILL, TX 75104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| GARY TWYMAN3 | 105 SOUTH OAKDALE DRIVE STILLWATER, OK 74074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE POINT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| NIKGREJESKEN INC3 | 818 MISSILE BASE ROAD JUDSONIA, AR 72081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DANIELLE WIND3 | 1920 EAST 2ND STREET EDMOND, OK 73034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| TERRELL JOSEPH THORNE3 | 2060 COUNTY ROAD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $1K | $145 | $2K | 10.37% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $1K | $145 | $2K | 10.36% |
| RICK M MCKINNEY3 | 202 NORTH ARMSTRONG STREET BIXBY, OK 74008 | AFLAC | $487 | — | $487 | 3.19% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $418 | $58 | $476 | 3.12% |
| JUSTIN W CARROLL3 | 25415 SOUTH HARVARD PLACE APARTMENT B TULSA, OH 74114 | AFLAC | $205 | $55 | $260 | 1.71% |
| JUSTIN W CARROLL3 | 6018 SOUTH 73RD EAST AVENUE TULSA, OK 74145 | AFLAC | $73 | — | $73 | 0.48% |
| TIFFANY DENNY3 Filed as: TIFFANY D DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $41 | — | $41 | 0.27% |
| JOHN ROBERT DE LARIOS3 | 119 TAMARACK COVE HOLLY LAKE RANCH, TX 75765 | AFLAC | $10 | — | $10 | 0.07% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | — | $6 | 0.04% |
| JARRELL K PRENTICE3 | 1113 EAST DRIVE EDMOND, OK 73034 | AFLAC | $1 | — | $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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 167 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $67K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $67K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 124 | $88K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 124 | $73K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 124 | $73K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 124 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.