| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSZONE INSURANCE SERVICES LLC3 Filed as: INSZONE INSURANCE SERVICES, LLC | 1133 EAST 33RD PLACE TULSA, OK 74105 | BLUECROSS BLUESHIELD OF OKLAHOMA | $28K | $0 | $28K | 3.78% |
| DEREK M RADER3 | 1615 SOUTH EUCALYPTUS AVENUE SUITE 208 BROKEN ARROW, OK 74012 | BLUECROSS BLUESHIELD OF OKLAHOMA | $6K | $0 | $6K | 0.81% |
| CHRISTOPHER J WALTERS3 | 2721 CITRUS ROAD SUITE A RANCHO CORDOVA, CA 95742 | DEARBORN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.48% |
| DEREK M RADER3 | 1615 SOUTH EUCALYPTUS AVENUE SUITE 208 BROKEN ARROW, OK 74012 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.82% |
| INSZONE INSURANCE SERVICES LLC3 Filed as: INSZONE INSURANCE SERVICES, LLC | 1133 EAST 33RD PLACE TULSA, OK 74105 | DELTA DENTAL OF OKLAHOMA | $4K | $0 | $4K | 7.36% |
| SCISSORTAIL EXECUTIVE ADVISORS3 Filed as: SCISSORTAIL EXECUTIVE ADVISORS, LLC | 6120 SOUTH YALE AVENUE SUITE 900 TULSA, OK 74136 | DELTA DENTAL OF OKLAHOMA | $394 | — | $394 | 0.64% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 204 | $733K |
| Dental | DELTA DENTAL OF OKLAHOMA | 112 | $61K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 199 | $144K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 199 | $144K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 199 | $144K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 199 | $144K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 204 | $733K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 199 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.