| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | COMMUNITYCARE HMO | $0 | $32K | $32K | 3.46% |
| BENEFIT PLANS STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $7K | $42K | 16.04% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.49% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | AFLAC | $4K | $90 | $5K | 12.50% |
| ADDISON R STEWART3 Filed as: ADDISON R. STEWART | 2524 NORTH BROADWAY EDMOND, OK 73034 | AFLAC | $3K | $764 | $4K | 10.29% |
| JOHN N KARR3 Filed as: JOHN N. KARR | 907 SOUTH DETROIT AVENUE, SUITE 905 TULSA, OK 74120 | AFLAC | $787 | $178 | $965 | 2.67% |
| ANGELA K KARR3 Filed as: ANGELA K. KARR | 14001 SOUTH 18TH STREET BIXBY, OK 74008 | AFLAC | $514 | $0 | $514 | 1.42% |
| JULIE E CONDRY3 Filed as: JULIE CONDRY | 11732 SOUTH ERIE AVENUE TULSA, OK 74137 | AFLAC | $169 | — | $169 | 0.47% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 25.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $411 | $411 | 3.00% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 156 | $936K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $264K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $264K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $264K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $264K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $264K |
| Prescription drug | COMMUNITYCARE HMO | 156 | $936K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.