| 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 | $28K | — | $28K | 2.25% |
| J.W. KEMPTON & ASSOCIATES INC3 Filed as: JW KEMPTON & ASSOCIATES INC. | 13431 BROADWAY EXT STE 130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 9.21% |
| J.W. KEMPTON & ASSOCIATES INC0 Filed as: THE KEMPTON COMPANY | 1341 BROADWAY EXT SUITE 130 OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $0 | $36K | $36K | 16.00% |
| J.W. KEMPTON & ASSOCIATES INC3 | 13431 BROADWAY EXTENSION SUITE130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| J.W. KEMPTON & ASSOCIATES INC3 Filed as: J.W. KEMPTON & ASSOCIATES INC. | 13431 BROADWAY EXT STE 130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | — | $560 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE KEMPTON COMPANY EIN 73-0977441 PLAN ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Named fiduciary; Plan Administrator; Participant communication; 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 | Claims processing; Direct payment from the plan Service code 12 | P.O. BOX 26019 DEOT 7062 BEAUMONT, TX 77720 | $230K |
| MEDCOM EIN 72-1339762 NONE | Direct payment from the plan; Contract Administrator Service code 13 | P.O. BOX 2946 COVINGTON, LA 70434 | $219K |
| MILLIMAN CONSULTANTS AND ACTUARIES EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | 11205 101ST SUITE 400 OMAHA, NE 68124 | $145K |
| 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 | $109K |
| PAYER COMPASS EIN 46-2047081 NONE | Claims processing; Direct payment from the plan Service code 12 | 5800 GRANITE PARKWAY STE 450 PLANO, TX 75024 | $95K |
| IBAT SERVICES, INC. EIN 74-1459906 NONE | Other services; Direct payment from the plan Service code 49 | — | $89K |
| FIRST HEALTH CORP. EIN 20-1736437 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $72K |
| UNITED CLAIMS SOLUTIONS, LLC EIN 20-0908354 NONE | Direct payment from the plan; Other fees Service code 50 | — | $58K |
| 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 | $55K |
| 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 | $29K |
| 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 | $29K |
| PREFERRED COMMUNITY CHOICE PPO EIN 73-1451360 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $26K |
| ZODIAC INSURANCE SERVICES, INC. EIN 83-1263085 NONE | Insurance services; Direct payment from the plan Service code 23 | 457 OAKSHADE RD, STE A SHAMONG, NJ 08088 | $24K |
| COMMUNITY BANKERS ASSOCIATION EIN 73-0967145 NONE | Direct payment from the plan; Other fees Service code 50 | 9220 N KELLY OKLAHOMA CITY, OK 73131 | $17K |
| REDCARD EIN 20-5388701 NONE | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | 744 OFFICE PARKWAY CREVE COEUR, MO 63141 | $12K |
| CMC CONSULTING LLC EIN 47-4131554 NONE | Legal; Direct payment from the plan Service code 29 | 3745 FAIRMEADOW BILLINGS, MT 59102 | $11K |
| THE PHIA GROUP EIN 04-3504115 NONE | Legal; Direct payment from the plan Service code 29 | P. O. BOX 850755 BRAINTREE, MA 02185 | $9K |
| BADGEPASS EIN 27-3872597 NONE | Copying and duplicating; Other services; Direct payment from the plan Service code 36 | 280 TRACE COLONY PARK DR RIDGELAND, MS 39157 | $6K |
| INDEPENDENT COMMUNITY BANKERS ASSOC EIN 85-0329643 NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 1810 AZTEC, NM 874104810 | $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 | 3,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,692 | $228K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,084 | $637K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,084 | $409K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 3,105 | $1.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,084 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,105 | — |
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.
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.