| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK & INSURANCE CONSULTING SERVICE3 | 5500 LILBURN STONE MOUNTAIN SUITE B STONE MOUNTAIN, GA 30087 | GREAT MIDWEST INSURANCE COMPANY (GMIC) | $25K | $0 | $25K | 2.00% |
| 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 | $50K | $0 | $50K | 10.15% |
| J.W. KEMPTON & ASSOCIATES INC3 | 13431 BROADWAY EXTENSION SUITE130 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 15.00% |
| J.W. KEMPTON & ASSOCIATES INC0 Filed as: THE KEMPTON COMPANY | 1341 BROADWAY EXT SUITE 130 OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $0 | $27K | $27K | 11.86% |
| 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 | $406 | $0 | $406 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE KEMPTON COMPANY EIN 73-0977441 PLAN ADMINISTRATOR | Participant communication; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Named fiduciary; Plan Administrator Service code 12 | 13431 BROADWAY EXTENSION SUITE 130 OKLAHOMA CITY, OK 73114 | $4.6M |
| MEDCOM EIN 72-1339762 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 2946 COVINGTON, LA 70434 | $237K |
| PAYER COMPASS EIN 46-2047081 NONE | Direct payment from the plan; Claims processing Service code 12 | 5800 GRANITE PARKWAY STE. 450 PLANO, TX 75024 | $187K |
| MILLIMAN CONSULTANTS AND ACTUARIES EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | 11205 101ST SUITE 400 OMAHA, NE 68124 | $150K |
| SCRPITA INSIGHTS, INC EIN 83-3003502 NONE | Direct payment from the plan; Other fees Service code 50 | 40 GROVE STREET STE. 270 WELLESLEY, MA 02482 | $139K |
| CAREOPERATIVE LLC EIN 20-8981027 NONE | Direct payment from the plan; Other services Service code 49 | 330 FRANKLIN RD STE 135A-428 BRENTWOOD, TN 37027 | $111K |
| IBAT SERVICES, INC. EIN 74-1459906 NONE | Direct payment from the plan; Other services Service code 49 | 1700 RIO GRAND ST STE 110 AUSTIN, TX 78701 | $91K |
| FIRST HEALTH CORP. EIN 20-1736437 NONE | Claims processing; Direct payment from the plan Service code 12 | 23291 NETWORK PL. CHICAGO, IL 606731232 | $70K |
| HEALTHSMART PREFERRED CARE INC EIN 75-2508316 NONE | Contract Administrator; Direct payment from the plan Service code 13 | P. O. BOX 846038 DALLAS, TX 75284 | $57K |
| BKD, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 211 N. ROBINSON AVE. STE 600 OKLAHOMA CITY, OK 731029421 | $33K |
| ICG EIN 20-4139455 NONE | Consulting (general); Direct payment from the plan Service code 16 | 19 NE 9TH STREET OKLAHOMA CITY, OK 73104 | $30K |
| FIDUCIARY RISK MANAGEMENT NONE | Legal; Direct payment from the plan Service code 29 | 3745 FAIRMEADOW BILLINGS, MT 59102 | $30K |
| ZODIAC INSURANCE SERVICES EIN 83-1263085 NONE | Insurance services; Direct payment from the plan Service code 23 | 457 OAKSHADE RD. STE. A SHAMONG, NJ 08088 | $25K |
| PREFERRED COMMUNITY CHOICE PPO EIN 73-1451360 NONE | Claims processing; Direct payment from the plan Service code 12 | 218 W 6TH ST TULSA, OK 74119 | $25K |
| CMC CONSULTING LLC EIN 47-4131554 NONE | Legal; Direct payment from the plan Service code 29 | 3745 FAIRMEADOW BILLINGS, MT 59102 | $22K |
| THE PHIA GROUP EIN 04-3504115 NONE | Legal; Direct payment from the plan Service code 29 | P. O. BOX 850755 BRAINTREE, MA 021850755 | $18K |
| COMMUNITY BANKERS ASSOCIATION OF OK EIN 73-0967145 NONE | Direct payment from the plan; Other fees Service code 50 | 9220 N KELLEY OKLAHOMA CITY, OK 73131 | $16K |
| REDCARD EIN 20-5388701 NONE | Direct payment from the plan; Other services; Copying and duplicating Service code 36 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $11K |
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 | 2,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,819 | $230K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,399 | $757K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,399 | $491K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 3,009 | $1.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,399 | $760K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,399 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.