| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP E. MALONEY INSURANCE AGENCY3 Filed as: PHILLIP E. MALONEY AGENCY INC. | 7625 E 51ST ST. STE 200 TULSA, OK 741457875 | BLUECROSS BLUESHIELD OF OKLAHOMA | $39K | — | $39K | 4.81% |
| PHILLIP E. MALONEY INSURANCE AGENCY3 Filed as: PHILLIP E. MALONEY INS AGENCY | 7625 E 51ST ST, STE 200 TULSA, OK 741457875 | PRINCIPAL FINANCIAL GROUP | $9K | — | $9K | 9.38% |
| PHILLIP E. MALONEY INSURANCE AGENCY3 | 7625 E. 51ST, SUITE 200 TULSA, OK 74145 | DELTA DENTAL | $5K | — | $5K | 6.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 314 | $807K |
| Dental | DELTA DENTAL | 128 | $83K |
| Vision | PRINCIPAL FINANCIAL GROUP | 259 | $92K |
| Life insurance | PRINCIPAL FINANCIAL GROUP | 259 | $92K |
| Short-term disability | PRINCIPAL FINANCIAL GROUP | 259 | $92K |
| Long-term disability | PRINCIPAL FINANCIAL GROUP | 259 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.