| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFECARE HEALTH SERVICES, LLC3 Filed as: LIFECARE HEALTH SERVICES LLC | 4013 NW EXPRESSWAY #675 OKLAHOMA CITY, OK 73116 | AMERICAN FIDELITY ASSURANCE COMPANY | $21K | — | $21K | 0.09% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERV | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 24.44% |
| LIFECARE HEALTH SERVICES, LLC3 | — | VISION SERVICE PLAN, INC | — | — | $0 | 0.00% |
| GARY C HART3 Filed as: GARY HART | 1316 NW FERRIS LAWTON, OK 73507 | LEADERS LIFE INSURANCE | $2K | — | $2K | 6.70% |
| LIFECARE HEALTH SERVICES, LLC3 Filed as: LIFECARE HEALTH SERVICES | 4013 NW EXPRESSWAY, SUITE 675 OKLAHOMA CITY, OK 73116 | LEADERS LIFE INSURANCE | $1K | — | $1K | 4.43% |
| BROKER CENTRIC ALLIANCE3 Filed as: BROKER CENTRIC ALLIANCE, INC | 1350 S BOULDER, SUITE 1900 TULSA, OK 74119 | LEADERS LIFE INSURANCE | $997 | — | $997 | 4.12% |
| BALES, SUSAN3 | P.O. BOX 989 ELK CITY, OK 73648 | LEADERS LIFE INSURANCE | $235 | — | $235 | 0.97% |
| WESLEY K DILLON3 Filed as: WESLEY KADE DILLON | 1316 NW FERRIS LAWTON, OK 73507 | LEADERS LIFE INSURANCE | $231 | — | $231 | 0.95% |
| COURTNEY DILLON3 | 1316 NW FERRIS LAWTON, OK 73507 | LEADERS LIFE INSURANCE | $210 | — | $210 | 0.87% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LIFECARE HEALTH SERVIES | 4013 NW EXPRESSWAY, SUITE 675 OKLAHOMA CITY, OK 73116 | ZURICH AMERICAN INSURANCE COMPANY | $164 | — | $164 | 14.99% |
| LIFECARE HEALTH SERVICES, LLC3 | 4013 N.W. EXPRESSWAY, SUITE 675 OKLAHOMA CITY, OK 73116 | WEBTPA EMPLOYER SERVICES INC | $785K | — | $785K | — |
No Schedule C service providers reported on this filing.
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 | 1,106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 751 | $23.2M |
| Vision | VISION SERVICE PLAN, INC | 607 | $79K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 847 | $131K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 179 | $23.2M |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 847 | $23.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.