| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE BROKERS3 | 4200 EAST SKELLY DRIVE, SUITE 300 TULSA, OK 74135 | UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THE HOLMES ORG. | 1350 SOUTH BOULDER AVENUE SUITE 1000 TULSA, OK 74119 | DELTA DENTAL OF OKLAHOMA | $5K | $0 | $5K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | PRIMARY VISION CARE SERVICES | $1K | $0 | $1K | 10.00% |
| THE HOLMES ORGANISATION3 | PO BOX 1440 TULSA, OK 74101 | LEADERS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.66% |
| BROKER CENTRIC ALLIANCE3 Filed as: BROKER CENTRIC ALLIANCE, INC. | 1350 SOUTH BOULDER AVENUE SUITE 900 TULSA, OK 74119 | LEADERS LIFE INSURANCE COMPANY | $604 | $0 | $604 | 4.68% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $126 | $0 | $126 | 0.98% |
| TIMMY R. LAFALIER3 | 1350 SOUTH BOULDER AVENUE SUITE 1000 TULSA, OK 74119 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 23.31% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 130 | $63K |
| Vision | PRIMARY VISION CARE SERVICES | 126 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 247 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 247 | $123K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 247 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.