| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | COMMUNITY CARE | $94K | — | $94K | 6.89% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | DELTA DENTAL OF OKLAHOMA | $5K | $14K | $20K | 14.70% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-DLIFE | $3K | — | $3K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-LTD | $3K | — | $3K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-STD | $2K | — | $2K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-AD&D | $2K | — | $2K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | VISION SERVICE PLAN | $1K | — | $1K | 6.03% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-AD&D | $360 | — | $360 | 10.00% |
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 | 678 | 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) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 678 | $1.4M |
| Dental | DELTA DENTAL OF OKLAHOMA | 209 | $134K |
| Vision | VISION SERVICE PLAN | 123 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-STD | 269 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-LTD | 269 | $27K |
| Prescription drug | COMMUNITY CARE | 678 | $1.4M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-DLIFE | 268 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.