| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP E. MALONEY INSURANCE AGENCY3 Filed as: PHILLIP E MALONEY AGENCY INC. | 7625 E 51ST SUITE 200 TULSA, OK 74145 | COMMUNITY CARE HMO | — | $58K | $58K | 5.37% |
| PHILLIP E. MALONEY INSURANCE AGENCY3 Filed as: PHILLIP E. MALONEY AGENCY INC. | 7625 E 51ST STREET, SUITE 200 TULSA, OK 74145 | AETNA LIFE INSRUANCE CO. | $16K | — | $16K | 14.41% |
| PHILLIP E. MALONEY INSURANCE AGENCY3 | 7625 E. 51ST, SUITE 200 TULSA, OK 74145 | DELTA DENTAL | $6K | — | $6K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PHILLIP E. MALONEY AGENCY INC. BROKER | Insurance agents and brokers Service code 22 | 7625 E 51ST STREET, SUITE 200 TULSA, OK 74145 | $4K |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY CARE HMO | 347 | $1.2M |
| Dental | DELTA DENTAL | 154 | $100K |
| Vision | AETNA LIFE INSRUANCE CO. | 261 | $111K |
| Life insurance | AETNA LIFE INSRUANCE CO. | 261 | $111K |
| Short-term disability | AETNA LIFE INSRUANCE CO. | 261 | $111K |
| Long-term disability | AETNA LIFE INSRUANCE CO. | 261 | $111K |
| Other | AETNA LIFE INSRUANCE CO. | 261 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.