| 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. | 321 W BROADWAY ST ARDMORE, OK 734016230 | VISION SERVICE PLAN | $980 | — | $980 | 5.96% |
| 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 | 15.00% |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $972 | $72 | $1K | 20.78% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $415 | — | $415 | 8.26% |
| BRAD N WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $270 | $14 | $284 | 5.65% |
| MICHAEL DALE DOBBINS3 | 106 E MCCLURE AVE PAULS VALLEY, OK 73075 | AFLAC | $254 | $0 | $254 | 5.06% |
| GINGER KAYE HARDY3 | 1105 W JACKSON ST TUPELO, MS 38804 | AFLAC | $57 | $14 | $71 | 1.41% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC. | PO BOX 1534 ARDMORE, OK 73402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137 | — | $137 | 15.02% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.83% |
| CASSIE HAMILTON3 | 5137 E HICKORY MEADOW DR CLAREMORE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 2.40% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC | 321 W BROADWAY ST ARDMORE, OK 73401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.96% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 345 | $133K |
| Vision | VISION SERVICE PLAN | 15 | $16K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $21K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.