| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN | 321 WEST BROADWAY ARDMORE, OK 73401 | BLUECROSS BLUESHIELD | $133K | — | $133K | 3.96% |
| SULLIVAN INSURANCE AGENCY3 | 321 WEST BROADWAY ARDMORE, OK 73401 | DELTA DENTAL | $5K | — | $5K | 4.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN INC DBA SULLIV | 321 WEST BROADWAY PO BOX 1534 ARDMORE, OK 73402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.04% |
| JIM RULEY & CO INC3 Filed as: JIM POSEY INSURANCE, LLC | 5567 S LEWIS AVE STE 400 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.36% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 734016230 | VISION SERVICE PLAN | $880 | — | $880 | 6.99% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC. | PO BOX 1534 ARDMORE, OK 73402 | STANDARD INSURANCE COMPANY | $161 | — | $161 | 14.99% |
| JANET G SKAGGS3 | 28031 COUNTY STREET 2550 FORT COBB, OK 73038 | AFLAC | $20K | $2K | $22K | — |
| BRAD W ALEXANDER3 | PO BOX 529 CYRIL, OK 73029 | AFLAC | $9K | — | $9K | — |
| BRENDA MEACHAM3 Filed as: BRENDA L MEACHAM | 200 E GARY BLVD CLINTON, OK 73601 | AFLAC | $7K | $590 | $7K | — |
| CHARLES M ROBERTS3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $4K | $590 | $5K | — |
| DELBERT LEON MCCURLEY3 | PO BOX 535 CYRIL, OK 73029 | AFLAC | $241 | — | $241 | — |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $14 | — | $14 | — |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $6 | — | $6 | — |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $5 | — | $5 | — |
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 | 351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 434 | $3.4M |
| Dental | DELTA DENTAL | 405 | $134K |
| Vision | VISION SERVICE PLAN | 106 | $13K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $33K |
| Other | AFLAC | 94 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
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.