| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN | PO BOX 1534 ARDMORE, OK 73402 | BLUECROSS BLUESHIEL OF OKLAHOMA | $0 | $77K | $77K | 1.86% |
| SULLIVAN INSURANCE AGENCY3 | 321 W BROADWAY ARDMORE, OK 73401 | DELATA DENTAL OF OKLAHOMA | $0 | $0 | $0 | 0.00% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| JOHN F SULLIVAN INC3 | DBA SULLIVAN INSURANCE AGENCY P.O. BOX 1534 ARDMORE, OK 73402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 16.01% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $3K | $14K | 12.92% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 5.85% |
| CASSIE HAMILTON3 | 5137 E HICKORY MEADOW DR CLAREMORE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 1.42% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $100 | $1K | 1.27% |
| INSURICA, INC.3 Filed as: INSURICA INC | P.O. BOX 25928 OKLAHOMA CITY, OK 73125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.05% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $914 | $0 | $914 | 0.82% |
| JAMES POE3 | 11828 SW 3RD TERRACE YUKON, OK 73099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $714 | $0 | $714 | 0.64% |
| BATES INSURANCE GROUP LLC3 | 519 N. 1ST PONCA CITY, OK 74601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $0 | $487 | 0.43% |
| HALEY KIRSTEN BATES3 | 6568 E. COLEMAN RD PONCA CITY, OK 74604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 0.21% |
| TERRELL JOSEPH THORNE3 Filed as: TERRELL JOSEPH THRONE | 2060 COUNTY RD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $0 | $225 | 0.20% |
| LAINA BATES3 | 6568 E COLEMAN RD PONCA CITY, OK 74604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $27 | $220 | 0.20% |
| HANNAH NOELLE BATES3 | 519 N 1ST PONCA CITY, OK 74604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $0 | $215 | 0.19% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.14% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.94% |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIEL OF OKLAHOMA | 599 | $4.1M |
| Dental | DELATA DENTAL OF OKLAHOMA | 508 | $199K |
| Vision | VISION SERVICE PLAN | 514 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 548 | $161K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 548 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.
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.