| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK & INSURANCE CONSULTING SERVICE3 | 5500 LILBURN STONE MOUNTAIN RD, STE STONE MOUNTAIN, GA 30087 | CREATIVE RISK UNDERWIRTERS - AMERICAN NATIONAL INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | — | $6K | 7.49% |
| CARTER-CRUTCHFIELD, INC.3 Filed as: CARTER-CRUTCHFIELD, INC | PO BOX 2967 EDMOND, OK 73083 | KANSAS CITY LIFE INSURANCE COMPANY | — | $6K | $6K | 7.49% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $6K | $6K | 7.16% |
| BANC FIRST INSURANCE SERVICES, INC3 | 5591 S LEWIS AVE TULSA, OK 741057132 | VISION SERVICE PLAN | $865 | — | $865 | 6.53% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | 4 EVER LIFE INSURANCE COMPANY | $812 | — | $812 | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | 4 EVER LIFE INSURANCE COMPANY | — | $460 | $460 | 8.50% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CREATIVE RISK UNDERWIRTERS - AMERICAN NATIONAL INSURANCE COMPANY | 119 | $124K |
| Vision | VISION SERVICE PLAN | 78 | $13K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 178 | $89K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 178 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.