| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $7K | $0 | $7K | 10.01% |
| EMPLOYER ADVOCATES LLC3 | P.O. BOX 269031 OKLAHOMA CITY, OK 73126 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.91% |
| EMPLOYER ADVOCATES LLC3 | 4810 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | KANSAS CITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.60% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.00% |
| STACY HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $1K | $0 | $1K | 3.03% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH STREET TULSA, OK 74119 | AFLAC | $1K | $0 | $1K | 2.89% |
| JOSHUA I WORTHY3 | 3700 N CLASSEN BLVD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $451 | $0 | $451 | 1.27% |
| JOSHUA C ROLAN3 | 201 BOWLING DR PAULS VALLEY, OK 73075 | AFLAC | $428 | $0 | $428 | 1.20% |
| WESLEY K DILLON3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $364 | $0 | $364 | 1.02% |
| COURTNEY J THOMPSON3 | 8011 NW NORWICK AVE LAWTON, OH 73505 | AFLAC | $343 | $0 | $343 | 0.96% |
| GARY C HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $283 | $0 | $283 | 0.80% |
| KENNETH B BEDDOW3 | 118 COLLINS BLVD ADA, OK 74701 | AFLAC | $225 | $0 | $225 | 0.63% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $128 | $0 | $128 | 0.36% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $81 | $0 | $81 | 0.23% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $45 | $0 | $45 | 0.13% |
| JANE M MCNEFF3 | 12700 S HIGHWAY 4 MUSTANG, OK 73064 | AFLAC | $22 | $0 | $22 | 0.06% |
| LISA B NEWPORT3 | 1009 SETTLERS DR EDMOND, OK 73034 | AFLAC | $20 | $0 | $20 | 0.06% |
| HAL W MOFFATT3 Filed as: HAL W MOFATT | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $17 | $0 | $17 | 0.05% |
| JANE M MCNEFF3 | 12800 S MUSTANG RD MUSTANG, OK 73064 | AFLAC | $16 | $0 | $16 | 0.05% |
| CHARLES D MANGUS3 | 96164 S STRAYHORN HEIGHTS RD GORE, OK 74435 | AFLAC | $11 | $0 | $11 | 0.03% |
| SHANE M OWEN3 | 8413 NW 106TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $9 | $0 | $9 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $5 | $0 | $5 | 0.01% |
| JOSHUA C ROLAN3 | 704 SEMINOLE DR PAULS VALLEY, OK 73075 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL B BROUCHOUD3 | 7401 RUSTIC CREEK RD OKLAHOMA CITY, OK 73165 | AFLAC | $1 | $0 | $1 | 0.00% |
| STEPHEN W SIMPSON3 | 540 CELTIC CT EDMOND, OK 73025 | AFLAC | $1 | $0 | $1 | 0.00% |
| EMPLOYER ADVOCATES LLC3 | P.O. BOX 269031 OKLAHOMA CITY, OK 73126 | VISION SERVICE PLAN | $995 | $0 | $995 | 5.89% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 220 | $69K |
| Vision | VISION SERVICE PLAN | 99 | $17K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 182 | $64K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 51 | $60K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 51 | $60K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 182 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.