| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS INC. | 1100 MIRA VISTA BLVD # 350 PLANO, TX 75093 | BLUECROSS BLUESHIELD OF OKLAHOMA | $106K | $0 | $106K | 1.39% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD #350 PLANO, TX 75093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $27K | 17.62% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD # 350 PLANO, TX 75093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 10.05% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD #350 PLANO, TX 75093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.76% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD # 350 PLANO, TX 75093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $924 | $5K | 18.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA EIN 36-1236610 SERVICE PROVIDER | Insurance services Service code 23 | PO BOX 3283 TULSA, OK 74102 | $7.6M |
| LINCOLN NATIONAL INSURANCE COMPANY EIN 35-0472300 SERVICE PROVIDER | Insurance services Service code 23 | 8801 INDIAN HILLS DRIVE OMAHA, NE 68114 | $312K |
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 | 1,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 1,304 | $7.6M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 996 | $215K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 671 | $68K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.