| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.85% |
| ASSUREX | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| INSURICA, INC.3 Filed as: INSURICA, INC | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $14K | $15K | 24.03% |
| ASSUREX | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| INSURICA, INC.3 Filed as: INSURICA | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | VISION SERVICE PLAN | $2K | — | $2K | 4.25% |
| INSURICA, INC.3 Filed as: INSURICA | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | DELTA DENTA | — | — | $0 | — |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTA | 291 | $0 |
| Vision | VISION SERVICE PLAN | 228 | $37K |
| Life insurance(2 contracts, 2 carriers) | UNUM | 337 | $178K |
| Short-term disability | UNUM | 337 | $99K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.