| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $11K | $11K | 6.93% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.74% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $5K | $0 | $5K | 6.00% |
| STACY HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $2K | $82 | $2K | 3.99% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH STREET TULSA, OK 74119 | AFLAC | $2K | $0 | $2K | 3.52% |
| GARY C HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $733 | $221 | $954 | 2.00% |
| WESLEY K DILLON3 | 1316 NE FERRIS AVE LAWTON, OK 73507 | AFLAC | $748 | $102 | $850 | 1.78% |
| COURTNEY J THOMPSON3 Filed as: COURTNEY J DILLON | 8011 NW NORWICK AVE LAWTON, OH 73505 | AFLAC | $724 | $57 | $781 | 1.64% |
| KENNETH B BEDDOW3 | 707 N WALNUT ST PAULS VALLEY, OK 73075 | AFLAC | $308 | $0 | $308 | 0.65% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCARD, OK 73010 | AFLAC | $236 | $16 | $252 | 0.53% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $173 | $66 | $239 | 0.50% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $220 | $0 | $220 | 0.46% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $173 | $0 | $173 | 0.36% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $71 | $0 | $71 | 0.15% |
| BRANDON THOMPSON3 | 738 N 3RD ST CYRIL, OK 73029 | AFLAC | $48 | $16 | $64 | 0.13% |
| JANE M MCNEFF3 | 12800 S MUSTANG RD MUSTANG, OK 73064 | AFLAC | $37 | $0 | $37 | 0.08% |
| DAVID CAROTHERS3 | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $36 | $0 | $36 | 0.08% |
| PATRICIA L CAROTHERS3 | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $32 | $0 | $32 | 0.07% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $27 | $0 | $27 | 0.06% |
| GREGORY M BUWICK3 | PO BOX 721423 NORMAN, OK 73070 | AFLAC | $24 | $0 | $24 | 0.05% |
| JODIE V STRECK3 | 524 N CHEYENNE ST HENNESSEY, OK 73742 | AFLAC | $23 | $0 | $23 | 0.05% |
| LISA B NEWPORT3 | 1009 SETTLERS DR EDMOND, OK 73034 | AFLAC | $20 | $0 | $20 | 0.04% |
| DARIN WHITSITT3 Filed as: DARIN S WHITSITT | 1210 CANSLER DR ENID, OK 73703 | AFLAC | $18 | $0 | $18 | 0.04% |
| BRANDON SCOTT BUSSELL3 | 8544 SW 75TH STREET OKLAHOMA CITY, OH 73169 | AFLAC | $5 | $11 | $16 | 0.03% |
| RONNIE PATTON3 Filed as: RONNIE C WEBBER | 411 GREEN MEADOW TRL HOLLY LAKE RANCH, TX 75765 | AFLAC | $15 | $0 | $15 | 0.03% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD SUITE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $12 | $0 | $12 | 0.03% |
| CHARLES D MANGUS3 | 1228 N SARA RD TUTTLE, OK 73089 | AFLAC | $11 | $0 | $11 | 0.02% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR SUITE E EDMOND, OK 73034 | AFLAC | $8 | $0 | $8 | 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 | $3 | $0 | $3 | 0.01% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $3 | $0 | $3 | 0.01% |
| STEPHEN W SIMPSON3 | 540 CELTIC CT EDMOND, OK 73025 | AFLAC | $1 | $0 | $1 | 0.00% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.00% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.43% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | MADISON NATIONAL LIFE INSURANCE COMPANY | $971 | $0 | $971 | 10.20% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 88 | $77K |
| Vision | VISION SERVICE PLAN | 94 | $20K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 204 | $165K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 204 | $155K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 204 | $155K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 134 | $275K |
| Other | AFLAC | 42 | $48K |
| 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."
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.