| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 7030 S YALE AVE STE 109 TULSA, OK 74136 | BLUECROSS BLUESHIELD OF OKLAHOMA | $38K | — | $38K | 5.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7030 S YALE SUITE 109 TULSA, OK 74136 | UNITED HEALTHCARE | $6K | — | $6K | 12.57% |
| BRENDA FREEMAN3 Filed as: BRENDA J FREEMAN | 7051 JOHNSTON ROAD OKMULGEE, OK 74447 | AFLAC | $4K | $331 | $4K | 16.81% |
| MICHAEL ARTHUR KIRK3 Filed as: MICHAEL KIRK | 4150 S 100TH EAST AVE STE 101 TULSA, OK 74146 | AFLAC | $1K | $66 | $1K | 4.70% |
| TRAVIS HURT3 | 18446 S 154TH EAST AVE BIXBY, OK 74008 | AFLAC | $690 | $66 | $756 | 2.90% |
| JENNIFER MAY MORGAN3 Filed as: JENNIFER MORGAN | 18178 VALLEY VIEW FORNEY, TX 75126 | AFLAC | $69 | — | $69 | 0.26% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $37 | — | $37 | 0.14% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY WORTHY | 2929 W MAIN STREET DURANT, OK 74701 | AFLAC | $35 | — | $35 | 0.13% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY WORTHY JR | 2929 W MAIN STREET DURANT, OK 74701 | AFLAC | $27 | — | $27 | 0.10% |
| KELLY A JONES3 Filed as: KELLY JONES | 3114 DEBBIE LN BARTLESVILLE, OK 74006 | AFLAC | $26 | — | $26 | 0.10% |
| LARRY D DENNY3 Filed as: LARRY DENNY | P.O. BOX 306 WETUMKA, OK 74883 | AFLAC | $23 | — | $23 | 0.09% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $22 | — | $22 | 0.08% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE LILES | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $18 | — | $18 | 0.07% |
| DARREN WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $10 | — | $10 | 0.04% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $4 | — | $4 | 0.02% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $3 | — | $3 | 0.01% |
| SHANE M OWEN3 Filed as: SHANE OWEN | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $1 | — | $1 | 0.00% |
| EDWARD A HALL JR3 Filed as: EDWARD HALL JR | 15 VILLAGE PARK DR NEWNAN, GA 30265 | AFLAC | $1 | — | $1 | 0.00% |
| JARRELL K PRENTICE3 Filed as: JARRELL PRENTICE | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $779 | — | $779 | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 615 E BRITTON ROAD OKLAHOMA CITY, OK 73144 | VISION SERVICE PLAN | $111 | — | $111 | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 1300 S MAIN ST TULSA, OK 74101 | CIGNA | $4K | — | $4K | 35.41% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 112 | $676K |
| Vision | VISION SERVICE PLAN | 98 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE | 110 | $75K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE | 110 | $61K |
| Long-term disability | UNITED HEALTHCARE | 110 | $49K |
| Other(2 contracts, 2 carriers) | AFLAC | 71 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.