| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 4810 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.40% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.00% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $6K | $0 | $6K | 10.00% |
| EMPLOYER ADVOCATES LLC3 | P.O. BOX 269031 OKLAHOMA CITY, OK 73126 | DEARBORN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.98% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH STREET TULSA, OK 74119 | AFLAC | $2K | $0 | $2K | 4.53% |
| STACY HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $1K | $305 | $2K | 4.02% |
| JOSHUA C ROLAN3 | 201 BOWLING DR PAULS VALLEY, OK 73075 | AFLAC | $1K | $60 | $1K | 2.81% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 3700 N CLASSEN BLVD SUITE 220 OKLAHOMA CITY, OK 73116 | AFLAC | $711 | $60 | $771 | 1.86% |
| COURTNEY J THOMPSON3 | 8011 NW NORWICK AVE LAWTON, OH 73505 | AFLAC | $668 | $24 | $692 | 1.67% |
| WESLEY K DILLON3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $664 | $0 | $664 | 1.61% |
| GARY C HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $626 | $0 | $626 | 1.51% |
| KENNETH B BEDDOW3 | 118 COLLINS BLVD ADA, OK 74701 | AFLAC | $222 | $0 | $222 | 0.54% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $125 | $0 | $125 | 0.30% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $82 | $0 | $82 | 0.20% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $44 | $0 | $44 | 0.11% |
| JANE M MCNEFF3 | 12800 S MUSTANG RD MUSTANG, OK 73064 | AFLAC | $34 | $0 | $34 | 0.08% |
| LISA B NEWPORT3 | 1009 SETTLERS DR EDMOND, OK 73034 | AFLAC | $19 | $0 | $19 | 0.05% |
| HAL W MOFFATT3 Filed as: HAL W MOFATT | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $17 | $0 | $17 | 0.04% |
| CHARLES D MANGUS3 | 1305 PULCHELLA WAY NEW CASTLE, OK 73065 | AFLAC | $10 | $0 | $10 | 0.02% |
| SHANE M OWEN3 | 8413 NW 106TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $9 | $0 | $9 | 0.02% |
| 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 | 604 MARK DR DEL CITY, OK 73115 | 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 | $970 | $0 | $970 | 5.99% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 201 | $64K |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 201 | $64K |
| Vision | VISION SERVICE PLAN | 93 | $16K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 166 | $61K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 56 | $70K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 56 | $70K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 166 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.