| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDFORD & ASSOCIATES, LLC Filed as: TEDFORD & ASSOCIATES | PO BOX 1050 JENKS, OK 74037 | COMPANION LIFE | $62K | — | $62K | 9.06% |
| HEALTHCARE SOLUTIONS GROUP, INC. Filed as: HEALTHCARE SOLUTIONS GROUP INC. | PO BOX 1309 MUSKOGEE, OK 74402 | COMPANION LIFE | $34K | — | $34K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP INC. EIN 73-1478844 PLAN SUPERVISOR | Contract Administrator Service code 13 | PO BOX 1309 MUSKOGEE, OK 74402 | $56K |
| HEALTHCARE HIGHWAY EIN 27-2072460 PPO NETWORK | Other insurance fees and expenses Service code 73 | 1 COWBOYS WAY #290 FRISCO, TX 75034 | $30K |
| HSG CONSOLIDATED EIN 73-1478844 UTILIZATION REVIEW SERVIC | Other insurance fees and expenses Service code 73 | PO BOX 1309 MUSKOGEE, OK 74402 | $6K |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 242 | $682K |
| Vision | COMPANION LIFE | 242 | $682K |
| Life insurance | COMPANION LIFE | 242 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.