| 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 | $3K | — | $3K | 1.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $11K | $11K | 6.93% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY STE 200 OKLAHOMA CITY, OK 73112 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | — | $7K | 4.74% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.68% |
| EMPLOYERADVOCATES LLC3 | 3030 NW EXPRESSWAY STE 200 OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $5K | $6K | $10K | 13.85% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | $468 | $12K | 22.03% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | $1K | — | $1K | 5.14% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY STE 200 OKLAHOMA CITY, OK 73112 | MADISON NATIONAL LIFE INSURANCE COMPANY | $971 | — | $971 | 10.20% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $809 | $809 | 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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CREATIVE RISK UNDERWRITERS - AMERICAN NATIONAL INSURANCE COMPANY | 119 | $268K |
| Dental | DELTA DENTAL | 121 | $75K |
| Vision | VISION SERVICE PLAN | 123 | $24K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 204 | $165K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 204 | $211K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 204 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
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.