| 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 | $58K | $0 | $58K | 11.03% |
| 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 | 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 | $3.6M |
| SOUTHERN SCRIPTS EIN 61-1766825 NONE | Contract Administrator; Other insurance fees and expenses; Other services Service code 13 | 411 BIENVILLE ST. NATCHITOCHES, LA 71457 | $325K |
| PAYER COMPASS EIN 46-2047081 NONE | Claims processing; Direct payment from the plan Service code 12 | 5800 GRANITE PARKWAY STE 450 PLANO, TX 75024 | $206K |
| HEALTHCARE HIGHWAYS OF OKLAHOMA LLC EIN 36-4827148 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1 COWBOYS WAY STE 290 FRISCO, TX 75034 | $114K |
| STRATEGIC UNDERWRITERS SOLUTIONS EIN 13-4009411 NONE | Insurance services; Actuarial; Consulting fees; Direct payment from the plan Service code 11 | 2593 DEVELOPMENT DRIVE, SUITE 200 GREEN BAY, WI 54311 | $108K |
| FIDUCIARY RISK MANAGEMENT EIN 47-4131554 NONE | Legal; Direct payment from the plan Service code 29 | PO BOX 955 MENOMONEE FALLS, WI 530520955 | $95K |
| WINDSOR STRATEGY PARTNERS EIN 81-0912547 NONE | Other commissions; Actuarial; Other fees Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $88K |
| MEDCOM CASE MANAGEMENT EIN 72-1339762 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 2946 COVINGTON, LA 70434 | $84K |
| 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 | $81K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 910 E ST LOUIS STREET, SUITE 200 SPRINGFIELD, MO 65806 | $67K |
| JWKEMPTON & ASSOCIATES EIN 73-0977439 NONE | Direct payment from the plan; Other services Service code 49 | 13431 BROADWAY EXTENSION SUITE 130 OKLAHOMA CITY, OK 73114 | $60K |
| INDEPENDENT COMMUNITY BANKERS ASSOC EIN 85-0329643 NONE | Other services; Other fees Service code 49 | PO BOX 1810 AZTEC, NM 874104810 | $44K |
| FIDUCIARY HEALTH SOLUTIONS EIN 93-1896442 NONE | Claims processing; Legal; Other fees Service code 12 | PO BOX 802 WATERSMEET, MI 49969 | $37K |
| IBAT SERVICES, INC. EIN 74-1459906 NONE | Other fees; Other services Service code 49 | 1700 RIO GRAND ST, STE 110 AUSTIN, TX 78701 | $31K |
| 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 | $24K |
| COTEVA, INC EIN 52-2235989 NONE | Contract Administrator; Direct payment from the plan; Participant communication Service code 13 | 4008 UNDERWOOD STREET CHEVY CHASE, MD 20815 | $23K |
| FIRST BETHANY BANK & TRUST EIN 73-0509524 NONE | Custodial (other than securities); Direct payment from the plan; Account maintenance fees; Other fees; Trustee (bank, trust company, or similar financial institution) Service code 18 | PO BOX 218 BETHANY, OK 73008 | $22K |
| HEALTHSMART PREFERRED CARE INC. EIN 75-2508316 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 846038 DALLAS, TX 75284 | $19K |
| THE PHIA GROUP EIN 04-3504115 NONE | Other fees; Legal; Consulting (general); Other services Service code 16 | PO BOX 499 CANTON, MA 02021 | $18K |
| COMMUNITY BANKERS ASSOC OF OKLAHOMA EIN 73-0967145 NONE | Other fees; Other services; Legal Service code 29 | 9220 N KELLEY OKLAHOMA CITY, OK 73131 | $13K |
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 | 2,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,372 | $162K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,355 | $776K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,355 | $523K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 2,050 | $728K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,355 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,355 | — |
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.