| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 | 4011 WEST PLANO PARKWAY STE 121 PLANO, TX 75093 | BLUECROSS BLUESHIELD OF OKLAHOMA | $98K | $0 | $98K | 1.52% |
| J E YORK & ASSOC INC3 | 730 E MAIN ADA, OK 74820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $1K | $37K | 10.42% |
| GARY FANCHER INSURANCE PLLC3 Filed as: GARY A FANCHER | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $4K | $20K | 5.67% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.25% |
| JOE FERNANDEZ3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $494 | $4K | 1.13% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4 | $3K | 0.85% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $179 | $3K | 0.84% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | 1201 ELM STREET DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $326 | $3K | 0.82% |
| MARCEL JAMES MUELLER3 | 6664 RICHMOND DR FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.61% |
| JONITA ANGELA OAKES3 | PO BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $646 | $2K | 0.59% |
| CHRISTI MAE WOODARD3 | 5405 SUDBURY LN OKLAHOMA CITY, OK 73135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $418 | $1K | 0.33% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $91 | $1K | 0.33% |
| CAPSTONE BENEFIT SOLUTIONS LLC3 | 901 LAKESIDE CIRCLE LEWISVILLE, TX 75057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 0.32% |
| RYAN BENEFITS INC3 | 520 CENTRAL PARKWAY E PLANO, TX 75074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $760 | $0 | $760 | 0.21% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $672 | $34 | $706 | 0.20% |
| ASHLEY WEST3 | 4000 STIGMA RD FARMERS BRANCH, TX 75244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $0 | $652 | 0.18% |
| TERRELL JOSEPH THORNE3 | 2060 COUNTY RD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $81 | $640 | 0.18% |
| FRANCISCO X CABRERA3 | 8616 PALMER CT MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $0 | $637 | 0.18% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $349 | $443 | 0.12% |
| OAKES INSURANCE AGENCY INC3 | 5215 NORTH OCONNOR BLVD IRVING, TX 75039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $0 | $428 | 0.12% |
| SUSAN WILLARD3 | 17005 KEMBLE LANE EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $72 | $346 | 0.10% |
| RED GATE GROUP LLC3 Filed as: RED RIVER BENEFITS INC | 520 CENTRAL PARKWAY E PLANO, TX 75074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $0 | $254 | 0.07% |
| MELANIE REYNOLDS3 | 20 BLANKENSHIP DRIVE CONWAY, AR 72032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 0.07% |
| KENDRICK BROOKS3 | 13213 LAUREN LANE LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $147 | $229 | 0.06% |
| MATTIE MEACHAM3 | 8401 PARK BROOK CT NORTH RICHLAND HILLS, TX 76182 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.03% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $10 | $42 | 0.01% |
| MELISSA LYNNE WHITWORTH3 | 13312 BEAUMONT DR PIEDMONT, OK 73078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.01% |
| BRAD BIEL3 | 2 GOLD ST NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $12 | $14 | 0.00% |
| EDNEY ENTERPRISES LLC3 | 17752 US HWY 69 N LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.00% |
| EVELYN GARCIA3 | 1562 1ST AVE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 4011 WEST PLANO PARKWAY STE 121 PLANO, TX 75093 | DELTA DENTAL | $34K | $27K | $61K | 21.50% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | 400 HWY 169 S SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 8.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA EIN 36-1236610 SERVICE PROVIDER | Insurance services Service code 23 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | $6.5M |
| COLONIAL LIFE & ACCIDENT INSURANCE EIN 57-0144607 SERVICE PROVIDER | Insurance services Service code 23 | PO BOX 1365 COLUMBIA, SC 29202 | $358K |
| DELTA DENTAL EIN 23-7322578 SERVICE PROVIDER | Insurance services Service code 23 | — | $286K |
| MUTUAL OF OMAHA INSURANCE COMPANY EIN 47-0322111 SERVICE PROVIDER | Insurance services Service code 23 | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | $153K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 SERVICE PROVIDER | Insurance services Service code 23 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $110K |
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 | 1,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 1,426 | $6.5M |
| Dental | DELTA DENTAL | 507 | $286K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 688 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,426 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.