| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $62K | — | $62K | 5.00% |
| 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 | 6.10% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74134 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 14.42% |
| STEVEN WILSON3 | 1304 NORTHWEST 181ST STREET EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.55% |
| CALVIN DORSEY3 | 2049 VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.40% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.31% |
| KELLY W PUGH3 | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.14% |
| SHANNON MARIE BALDWIN3 | 14620 SOUTH 52ND EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.14% |
| MPART BENEFITS INC3 | 100 ALBIRGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.13% |
| LISA A PERRI3 Filed as: LISA LAWSON | 9827 BIRCH DRIVE PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.12% |
| CINDY RISKY3 | 901 MONTANE COURT NORMAN, OK 73069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| TONY HALL3 | 5310 BEXAR STREET DALLAS, TX 75216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| GARY TWYMAN3 | 105 SOUTH OAKDALE DRIVE STILLWATER, OK 74074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.10% |
| DERRICK DANIEL GREEN3 | 203 OAKWOOD DRIVE HENRYETTA, OK 74437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE POINT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| NIKGREJESKEN INC3 | 818 MISSILE BASE ROAD JUDSONIA, AR 72081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DANIELLE WIND3 | 2413 NORTHWEST 50TH STREET OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $344 | $8 | $352 | 2.91% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $344 | $8 | $352 | 2.91% |
| JUSTIN W CARROLL3 | 25415 SOUTH HARVARD PLACE APARTMENT B TULSA, OK 74114 | AFLAC | $197 | — | $197 | 1.63% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $178 | $4 | $182 | 1.50% |
| RICK M MCKINNEY3 | 300 RIVERWALK TERRACE SUITE 260 JENKS, OK 74037 | AFLAC | $140 | $4 | $144 | 1.19% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | AFLAC | $48 | — | $48 | 0.40% |
| TIFFANY DENNY3 Filed as: TIFFANY D DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $41 | — | $41 | 0.34% |
| JOHN ROBERT DE LARIOS3 | 119 TAMARACK COVE HOLLY LAKE RANCH, TX 75765 | AFLAC | $10 | — | $10 | 0.08% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | — | $6 | 0.05% |
| 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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 176 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $70K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 130 | $82K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 130 | $70K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 130 | $70K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 130 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.