| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY HAWKINS DBA FEW INC.3 | PO BOX 451 EUFAULA, OK 74432 | COMPANION LIFE | $31K | — | $31K | 8.33% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | COMPANION LIFE | $10K | — | $10K | 2.78% |
| LARRY HAWKINS DBA FEW INC.3 | PO BOX 451 EUFAULA, OK 74432 | COMPANION LIFE | $7K | — | $7K | 13.24% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | COMPANION LIFE | $3K | — | $3K | 4.43% |
| LARRY HAWKINS DBA FEW INC.3 | PO BOX 451 EUFAULA, OK 74432 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.24% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | OPTUMHEALTH CARE SOLUTIONS | $2K | — | $2K | 5.31% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE | 281 | $405K |
| Life insurance | COMPANION LIFE | 281 | $57K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $35K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 266 | $375K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 281 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.