| 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 BLUESHIELD OF OKLAHOMA | $0 | $0 | $0 | 0.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN | PO BOX 1534 ARDMORE, OK 73402 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| SULLIVAN INSURANCE AGENCY3 Filed as: SULLIVAN INSURNACE AGENCY | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $0 | $0 | $0 | 0.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN INC DBA SULLIVAN IN | DBA SULLIVAN INSURANCE AGENCY P.O. BOX 1534 ARDMORE, OK 73402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 10.41% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKERN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $309 | $8K | 6.04% |
| SHANNON MARIE BALDWIN3 | 14620 S 52ND EAST AVE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $450 | $6K | 4.37% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $89 | $2K | 1.32% |
| CASSIE HAMILTON3 | 5137 E HICKORY MEADOW DR CLAREMORE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | $16 | $860 | 0.62% |
| JAMES POE3 | 11828 SW 3RD TERRACE YUKON, OK 73099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $0 | $523 | 0.37% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRING, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $0 | $252 | 0.18% |
| INSURICA, INC.3 Filed as: INSURICA INC | P.O. BOX 25928 OKLAHOMA CITY, OK 73125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $0 | $214 | 0.15% |
| TERRELL JOSEPH THORNE3 | 2060 COUNTY RD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 0.13% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.09% |
| BATES INSURANCE GROUP LLC3 | 400 FAIRVIEW AVE STE 13 PONCA CITY, OK 74601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.09% |
| LAINA BATES3 | 6568 E COLEMAN RD PONCA CITY, OK 74604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN, INC | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.87% |
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 | 555 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 586 | $4.3M |
| Dental | DELTA DENTAL OF OKLAHOMA | 512 | $209K |
| Vision | VISION SERVICE PLAN | 520 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 555 | $242K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 555 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.