| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. KEMPTON & ASSOCIATES INC3 | 13431 BROADWAY EXT STE 130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 11.10% |
| J.W. KEMPTON & ASSOCIATES INC3 | 13431 BROADWAY EXT STE 130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE KEMPTON COMPANY EIN 73-0977441 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Plan Administrator; Named fiduciary; Participant communication Service code 12 | 13431 BROADWAY EXTENSION SUITE 130 OKLAHOMA CITY, OK 73114 | $3.8M |
| LIVINITI EIN 61-1766825 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 896599 CHARLOTTE, NC 28289 | $343K |
| PAYER COMPASS EIN 46-2047081 NONE | Direct payment from the plan; Actuarial; Consulting fees; Insurance services Service code 11 | 5800 GRANITE PARKWAY STE 450 PLANO, TX 75024 | $163K |
| HEALTHCARE HIGHWAYS OF OKLAHOMA LLC EIN 36-4827148 NONE | Other fees; Other commissions; Actuarial Service code 11 | 1 COWBOYS WAY STE 290 FRISCO, TX 75034 | $135K |
| STRATEGIC UNDERWRITERS SOLUTIONS EIN 13-4009411 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 2593 DEVELOPMENT DRIVE, SUITE 200 GREEN BAY, WI 54311 | $114K |
| FIDUCIARY RISK MANAGEMENT EIN 47-4131554 NONE | Other fees; Direct payment from the plan Service code 50 | PO BOX 802 WATERSMEET, MI 49969 | $97K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $92K |
| THE PHIA GROUP EIN 04-3504115 NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 499 CANTON, MA 02021 | $79K |
| FHS EIN 93-1896442 NONE | Other services; Other fees Service code 49 | PO BOX 802 WATERSMEET, MI 49969 | $77K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Other services; Other fees Service code 49 | PO BOX 200870 DALLAS, TX 753200870 | $54K |
| INDEPENDENT COMMUNITY BANKERS ASSOC EIN 85-0329643 NONE | Insurance services; Direct payment from the plan Service code 23 | PO BOX 1810 AZTEC, NM 874104810 | $49K |
| IBAT SERVICES, INC. EIN 74-1459906 NONE | Direct payment from the plan; Participant communication; Contract Administrator Service code 13 | 1700 RIO GRAND ST, STE 110 AUSTIN, TX 78701 | $35K |
| BRAMLETT AGENCY, INC EIN 73-1418307 NONE | Account maintenance fees; Custodial (other than securities); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Other fees Service code 18 | PO BOX 369 ARDMORE, OK 73402 | $32K |
| ZODIAC INSURANCE SERVICES EIN 83-1263085 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 457 OAKSHADE RD STE A SHAMONG, NJ 08088 | $23K |
| FIRST BETHANY BANK & TRUST EIN 73-0509524 NONE | Other fees; Legal; Consulting (general); Other services Service code 16 | PO BOX 218 BETHANY, OK 73008 | $23K |
| BOARDBOOKIT, INC EIN 46-2135456 NONE | Other services; Legal; Other fees Service code 29 | PO BOX 736335 CHICAGO, IL 606736635 | $21K |
| LIQUID MEDIA EIN 26-3375865 NONE | Other fees; Other services; Legal Service code 29 | PO BOX 21626 OKLAHOMA CITY, OK 73156 | $17K |
| COMMUNITY BANKERS ASSOC OF OKLAHOMA EIN 73-0967145 NONE | Other services; Other fees; Legal Service code 29 | 9220 N KELLEY OKLAHOMA CITY, OK 73131 | $15K |
| HEALTHSMART PREFERRED CARE INC. EIN 75-2508316 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 846038 DALLAS, TX 75284 | $15K |
| COTEVA, INC EIN 52-2235989 NONE | Direct payment from the plan; Participant communication; Contract Administrator Service code 13 | 4008 UNDERWOOD STREET CHEVY CHASE, MD 20815 | $14K |
| REDCARD ID CARD PRINTING & CHECK PR EIN 20-5388701 NONE | Other fees; Other services; Copying and duplicating Service code 36 | 744 OFFICE PARKWAY ST LOUIS, MO 63141 | $13K |
| UNDERWOOD ATTORNEYS AT LAW EIN 75-2256292 NONE | Other fees; Direct payment from the plan Service code 50 | P.O BOX 9158 AMARIOLLO, TX 79105 | $10K |
| CMC CONSULTING DBA FRM EIN 47-4131554 NONE | Other services; Other fees Service code 49 | PO BOX 802 WATERSMEET, MI 49969 | $5K |
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 | 2,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,339 | $160K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,393 | $760K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,393 | $506K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 2,160 | $730K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,393 | $760K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,393 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.