| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $72K | $0 | $72K | 5.15% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $9K | $9K | 6.48% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.71% |
| JENNIFER G COSBY3 | 12100 SE 134TH ST OKLAHOMA CITY, OK 73165 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.76% |
| STACY HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $3K | $9 | $3K | 6.26% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES | 220 E 8TH STREET TULSA, OK 74119 | AFLAC | $2K | $0 | $2K | 4.13% |
| JOSHUA C ROLAN3 | 201 BOWLING DR PAULS VALLEY, OK 73075 | AFLAC | $560 | $0 | $560 | 1.33% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $460 | $0 | $460 | 1.09% |
| COURTNEY J THOMPSON3 | 8011 NW NORWICK AVE LAWTON, OH 73505 | AFLAC | $445 | $0 | $445 | 1.06% |
| GARY C HART3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $279 | $11 | $290 | 0.69% |
| WESLEY K DILLON3 | 1316 NW FERRIS AVE LAWTON, OK 73507 | AFLAC | $239 | $26 | $265 | 0.63% |
| KENNETH B BEDDOW3 | 707 N WALNUT ST PAULS VALLEY, OK 73075 | AFLAC | $256 | $0 | $256 | 0.61% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $179 | $0 | $179 | 0.42% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $145 | $0 | $145 | 0.34% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $55 | $0 | $55 | 0.13% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCARD, OK 73010 | AFLAC | $33 | $9 | $42 | 0.10% |
| JANE M MCNEFF3 | 12800 S MUSTANG RD MUSTANG, OK 73064 | AFLAC | $34 | $0 | $34 | 0.08% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $20 | $0 | $20 | 0.05% |
| LISA B NEWPORT3 | 1009 SETTLERS DR EDMOND, OK 73034 | AFLAC | $18 | $0 | $18 | 0.04% |
| SHANE M OWEN3 | 8413 NW 106TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $10 | $0 | $10 | 0.02% |
| CHARLES D MANGUS3 | 1228 N SARA RD TUTTLE, OK 73089 | AFLAC | $10 | $0 | $10 | 0.02% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $5 | $0 | $5 | 0.01% |
| JODIE V STRECK3 | 524 N CHEYENNE ST HENNESSEY, OK 73742 | AFLAC | $2 | $0 | $2 | 0.00% |
| DARIN WHITSITT3 Filed as: DARIN S WHITSITT | 1210 CANSLER DR ENID, OK 73703 | AFLAC | $2 | $0 | $2 | 0.00% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR SUITE E EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.00% |
| 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 | 4801 GAILLARDIA PARKWAY SUITE 200 OKLAHOMA CITY, OK 731421866 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.87% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.06% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $613 | $613 | 8.47% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73118 | DEARBORN LIFE INSURANCE COMPANY | $690 | $0 | $690 | 15.01% |
| EMPLOYER ADVOCATES LLC3 | 3030 NW EXPRESSWAY SUITE 200 OKLAHOMA CITY, OK 73112 | MADISON NATIONAL LIFE INSURANCE COMPANY | $493 | $0 | $493 | 15.04% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $277 | $277 | 8.45% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 212 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 212 | $1.4M |
| Vision | VISION SERVICE PLAN | 86 | $17K |
| Life insurance(4 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 160 | $154K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 160 | $139K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 160 | $139K |
| Other(5 contracts, 4 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 160 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.