| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRASER INSURANCE INC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $67K | — | $67K | 5.00% |
| FRASER INSURANCE INC3 | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74134 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 12.85% |
| FRASER INSURANCE INC3 Filed as: FRASER INSURANCE, INC. | 7633 EAST 63RD PLACE SUITE 300 TULSA, OK 74133 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.61% |
| FRASER INSURANCE INC3 | 16310 EAST 49TH PLACE TULSA, OK 74134 | AFLAC | $4K | — | $4K | 10.35% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $3K | $126 | $3K | 7.55% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $3K | $126 | $3K | 7.55% |
| COREY MACINTYRE3 | 4334 SOUTH 173RD EAST AVENUE TULSA, OK 74134 | AFLAC | $1K | $50 | $1K | 3.73% |
| ZACHARY EVERETT3 | 300 RIVERWALK TERRACE SUITE 260 JENKS, OK 74037 | AFLAC | $1K | $50 | $1K | 3.31% |
| JUSTIN W CARROLL3 | 25415 SOUTH HARVARD PLACE APARTMENT B TULSA, OK 74114 | AFLAC | $125 | — | $125 | 0.35% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $102 | — | $102 | 0.29% |
| RICK M MCKINNEY3 | 2448 EAST 81ST STREET TULSA, OK 74137 | AFLAC | $63 | — | $63 | 0.18% |
| TIFFANY DENNY3 Filed as: TIFFANY D DENNY | PO BOX 306 WESTUMKA, OK 74883 | AFLAC | $41 | — | $41 | 0.12% |
| JOHN ROBERT DE LARIOS3 | 119 TAMARACK CV HOLLY LAKE RANCH, TX 75765 | AFLAC | $10 | — | $10 | 0.03% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | — | $6 | 0.02% |
| JARRELL K PRENTICE3 Filed as: JARRELL K PRINTICE | 1113 EAST DRIVE EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| CALVIN DORSEY3 | 2049 VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.73% |
| STEVEN WILSON3 | 1304 NORTHWEST 181ST STREET EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.70% |
| KELLY W PUGH3 | 7367 SOUTH 286TH EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.29% |
| SHANNON MARIE BALDWIN3 | 14620 SOUTH 52ND EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.20% |
| TONY HALL3 | 5310 BEXAR STREET DALLAS, TX 75215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.19% |
| CINDY RISKY3 | 901 MONTANE COURT NORMAN, OK 73069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.19% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.14% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| GIFT MANAGEMENT LLC3 | 324 SOUTH HUSBAND STREET SUITE 106 STILLWATER, OK 74074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| NIKGREJESKEN INC3 | 818 MISSILE BASE ROAD JUDSONIA, AR 72081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DANIELLE WIND3 Filed as: DANIELLE A WIND | 17617 BLACK HAWK DRIVE EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LISA A PERRI3 Filed as: LISA LAWSON | 9827 BIRCH DRIVE PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 181 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $84K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 127 | $98K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 127 | $98K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 127 | $98K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 127 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.