| 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 UNDERWRITERS - AMERICAN NATIONAL INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | KANSAS CITY LIFE INSURANCE COMPANY | $8K | — | $8K | 8.17% |
| CARTER-CRUTCHFIELD, INC.3 Filed as: CARTER-CRUTCHFIELD, INC | PO BOX 2967 EDMOND, OK 73083 | KANSAS CITY LIFE INSURANCE COMPANY | $8K | — | $8K | 8.17% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | — | $7K | 7.24% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES, INC | 5591 S LEWIS AVE TULSA, OK 741057132 | VISION SERVICE PLAN | $933 | — | $933 | 4.90% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | $139 | — | $139 | 0.73% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $582 | — | $582 | 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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CREATIVE RISK UNDERWRITERS - AMERICAN NATIONAL INSURANCE COMPANY | 119 | $220K |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 190 | $102K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 190 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.