| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $2K | — | $2K | 14.96% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 734016230 | VISION SERVICE PLAN | $919 | — | $919 | 6.23% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC. | PO BOX 1534 ARDMORE, OK 73402 | STANDARD INSURANCE COMPANY | $58 | — | $58 | 11.86% |
| JANET G SKAGGS3 | 28031 COUNTY STREET 2550 FORT COBB, OK 73038 | AFLAC | $262 | $9 | $271 | — |
| BRENDA MEACHAM3 Filed as: BRENDA L MEACHAM | 200 E GARY BLVD CLINTON, OK 73601 | AFLAC | $213 | $3 | $216 | — |
| BRAD W ALEXANDER3 | PO BOX 529 CYRIL, OK 73029 | AFLAC | $118 | — | $118 | — |
| CHARLES M ROBERTS3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $102 | $3 | $105 | — |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $21 | — | $21 | — |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $9 | — | $9 | — |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $8 | — | $8 | — |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $606 | — | $606 | — |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $259 | — | $259 | — |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $175 | — | $175 | — |
| CHARLES M ROBERTS3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $85 | — | $85 | — |
| SHARON L SUTHERLIN3 | P.O. BOX 813 LAWTON, OK 73502 | AFLAC | $46 | $13 | $59 | — |
| LARRY D DENNY3 | P.O. BOX 306 WETUMKA, OK 74883 | AFLAC | $33 | — | $33 | — |
| STACY HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $21 | $3 | $24 | — |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W WORTHY JR. | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $10 | $3 | $13 | — |
| BRAD N WOOD3 | 12512 N COUNTY RD 3232 PAOLI, OK 73074 | AFLAC | $6 | — | $6 | — |
| GINGER KAYE HARDY3 | 2322 N INTERSTATE DR NORMAN, OK 73072 | AFLAC | $4 | — | $4 | — |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 346 | $136K |
| Vision | VISION SERVICE PLAN | 104 | $15K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $16K |
| Other(2 contracts) | AFLAC | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.