| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RED GATE GROUP LLC3 Filed as: RED RIVER BENEFITS INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $109K | $0 | $109K | 1.59% |
| J E YORK & ASSOC INC3 | 730 E MAIN ADA, OK 74820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51K | $5K | $55K | 12.99% |
| GARY FANCHER INSURANCE PLLC3 Filed as: GARY A FANCHER | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $17K | $38K | 8.92% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $13K | $19K | 4.36% |
| CONSTANZA BEATRIZ FORBES3 | 4157 FM 3211 CADDO MILLS, TX 75135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $208 | $7K | 1.73% |
| EDNEY ENTERPRISES LLC3 | 17752 US HWY 69 N LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $5K | 1.24% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $608 | $5K | 1.09% |
| BENJAMIN AUSTIN3 | 9523 COVE CIRCLE SHREVEPORT, LA 71118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $322 | $4K | 0.87% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.57% |
| HOPE KATHRAIN ANDERSON3 | 1381 COUNTY RD 3875 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $44 | $2K | 0.41% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 0.30% |
| MARK SQUIRE3 | 325 ABERNATHY CIRCLE SE PALM BAY, FL 32909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $828 | $1K | 0.25% |
| AUSTIN FERRELL3 | 7967 PERSIMMON ROAD BIG SANDY, TX 75755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $538 | $379 | $917 | 0.22% |
| RYAN BENEFITS INC3 | 520 CENTRAL PARKWAY E PLANO, TX 75074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 0.19% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | 1201 ELM STREET DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | $0 | $734 | 0.17% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $654 | $60 | $714 | 0.17% |
| GILES CONSULTING GROUP INC3 | 3554 FOUNTAINBLEAU RD KEITHVILLE, LA 71047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $342 | $596 | 0.14% |
| FRANCISCO X CABRERA3 | PO BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | $0 | $511 | 0.12% |
| JONITA ANGELA OAKES3 | PO BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $0 | $375 | 0.09% |
| OAKES INSURANCE AGENCY INC3 | 5215 NORTH OCONNOR BLVD IRVING, TX 75039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $0 | $344 | 0.08% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $19 | $302 | 0.07% |
| CAPSTONE BENEFIT SOLUTIONS LLC3 | 901 LAKESIDE CIRCLE LEWISVILLE, TX 75057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $0 | $241 | 0.06% |
| MARCEL JAMES MUELLER3 | 6664 RICHMOND DR FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 0.05% |
| MELANIE REYNOLDS3 | 20 BLANKENSHIP DRIVE CONWAY, AR 72032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 0.05% |
| 3B VENTURE GROUP INC3 | 831 KINGS HIGHWAY SHREVEPORT, LA 71104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $73 | $201 | 0.05% |
| CHRISTI MAE WOODARD3 | 5405 SUDBURY LN OKLAHOMA CITY, OK 73135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $27 | $173 | 0.04% |
| JACQUELINE BARTHELEMY3 Filed as: JACQUELINE MARIE STUEMKY | 10208 MIDDLE DARLEEN LEANDER, TX 78641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $6 | $148 | 0.03% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $47 | $141 | 0.03% |
| LORI VONDENSTEIN MENARD3 | 831 KINGS HWY SHREVEPORT, LA 71104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 0.03% |
| TERRELL JOSEPH THORNE3 | 2060 COUNTY RD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $5 | $47 | 0.01% |
| SARA SORENSEN-CONNICK3 | 8547 E ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $21 | $42 | 0.01% |
| SUSAN WILLARD3 | 17005 KEMBLE LANE EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.01% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.00% |
| MELISSA LYNNE WHITWORTH3 | 13312 BEAUMONT DR PIEDMONT, OK 73078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| BRAD BIEL3 | 2 GOLD ST NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| EVELYN GARCIA3 | 1562 1ST AVE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | DELTA DENTAL | $36K | $25K | $61K | 20.16% |
| 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 | 6.39% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD SUITE 3 PLANO, TX 75093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $613 | $0 | $613 | 0.41% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA EIN 36-1236610 SERVICE PROVIDER | Insurance services Service code 23 | PO BOX 3283 TULSA, OK 74102 | $6.8M |
| COLONIAL LIFE & ACCIDENT INSURANCE EIN 57-0144607 SERVICE PROVIDER | Insurance services Service code 23 | PO BOX 1365 COLUMBIA, SC 29202 | $426K |
| DELTA DENTAL EIN 23-7322578 SERVICE PROVIDER | Insurance services Service code 23 | 16 NW 63RD ST, STE 201 OKLAHOMA CITY, OK 73116 | $303K |
| UNUM LIFE INSURANCE CO OF AM EIN 01-0278678 SERVICE PROVIDER | Insurance services Service code 23 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $149K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 SERVICE PROVIDER | Insurance services Service code 23 | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | $147K |
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 | 1,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 1,445 | $6.8M |
| Dental | DELTA DENTAL | 519 | $303K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 719 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.