| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES INC. | 4775 E 91ST STREET SUITE 100 TULSA, OK 74137 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70K | — | $70K | 11.38% |
| REDBUD FINANCIAL GROUP LLC3 | 1900 NW EXPRESSWAY SUITE 700 OKLAHOMA CITY, OK 73118 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $81 | — | $81 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA EIN 36-1236610 NONE | Claims processing Service code 12 | — | $576K |
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 | 964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 335 | $2.2M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 964 | $612K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 964 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.