| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK & INSURANCE CONSULTING SERVICE3 | 5500 LILBURN STONE MOUNTAIN SUITE B STONE MOUNTAIN, GA 30087 | AMERICAN NATIONAL INSURANCE COMPANY | $30K | — | $30K | 2.29% |
| J.W. KEMPTON & ASSOCIATES INC3 | 13431 BROADWAY EXTENSION SUITE130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE KEMPTON COMPANY EIN 73-0977441 NONE | Plan Administrator; Participant communication; Named fiduciary; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | 13431 BROADWAY EXTENSION SUITE 130 OKLAHOMA CITY, OK 73114 | $4.5M |
| SCRIPTCARE, LTD EIN 76-0621375 NONE | Direct payment from the plan; Claims processing Service code 12 | P. O. BOX 26019 DEOT 7062 BEAUMONT, TX 77720 | $227K |
| CAREOPERATIVE LLC EIN 20-8981027 NONE | Other services; Direct payment from the plan Service code 49 | 330 FRANKLIN RD STE 135A-428 BRENTWOOD, TN 37027 | $224K |
| MEDCOM EIN 72-1339762 NONE | Contract Administrator; Direct payment from the plan Service code 13 | P.O. BOX 2946 COVINGTON, LA 70434 | $214K |
| MILLIMAN CONSULTANTS AND ACTUARIES EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | 11205 101ST SUITE 400 OMAHA, NE 68124 | $134K |
| UNITED CLAIMS SOLUTIONS, LLC EIN 20-0908354 NONE | Direct payment from the plan; Other fees Service code 50 | — | $105K |
| HEALTH LAW ADVISORS PLLC EIN 45-2789690 NONE | Legal; Direct payment from the plan Service code 29 | 13431 BROADWAY EXTENSTION SUITE 130 OKLAHOMA CITY, OK 73114 | $88K |
| FIRST HEALTH CORP. EIN 20-1736437 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $61K |
| HEALTHSMART PREFERRED CARE INC EIN 75-2508316 NONE | Contract Administrator; Direct payment from the plan Service code 13 | P. O. BOX 207102 DALLAS, TX 75320 | $56K |
| IBAT SERVICES, INC. EIN 74-2306778 NONE | Direct payment from the plan; Other services Service code 49 | — | $44K |
| INDEPENDENT BANKERS ASSN. OF TEXAS EIN 75-1459906 NONE | Direct payment from the plan; Other services Service code 49 | — | $42K |
| THE PHIA GROUP EIN 46-1439866 NONE | Legal; Direct payment from the plan Service code 29 | P. O. BOX 850755 BRAINTREE, MA 02185 | $38K |
| BKD, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 211 N. ROBINSON AVE. SUITE 130 OKLAHOMA CITY, OK 73102 | $30K |
| PREFERRED COMMUNITY CHOICE PPO EIN 73-1451360 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $29K |
| FIRST BETHANY BANK EIN 73-0509524 NONE | Other fees; Direct payment from the plan Service code 50 | 6800 NW 39TH EXPRESSWAY OKLAHOMA CITY, OK 73008 | $16K |
| KEMPTON GROUP ADMINISTRATORS EIN 73-1201547 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 13431 BROADWAY EXTENSION EDMOND, OK 73114 | $10K |
| COMMUNITY BANKERS ASSOCIATION EIN 73-0967145 NONE | Direct payment from the plan; Other fees Service code 50 | 9220 N KELLY OKLAHOMA CITY, OK 73131 | $10K |
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 | 2,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,657 | $283K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,289 | $569K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,289 | $334K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 2,975 | $1.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,289 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,289 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.