| 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 | 6.71% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | DELTA DENTAL OF OKLAHOMA | $3K | $7K | $10K | 12.23% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | BEAM/VISION SERVICE PLAN | $8K | — | $8K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LONG-TERM DISABILITY | $5K | — | $5K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - GROUP TERM LIFE | $4K | — | $4K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET STE H TULSA, OK 74133 | LINCOLN NATIONAL LIFE INSURANCE COMPANY - DLIFE | $4K | — | $4K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - SHORT-TERM DISABILITY | $4K | — | $4K | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - AD&D/LIFE | $332 | — | $332 | 10.00% |
| BENEX, INC.3 | 8516 EAST 101ST STREET, SUITE H TULSA, OK 74133 | COMMUNITY CARE-EAP | $2K | — | $2K | 100.00% |
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY CARE | 501 | $1.4M |
| Dental | DELTA DENTAL OF OKLAHOMA | 191 | $84K |
| Vision | BEAM/VISION SERVICE PLAN | 523 | $78K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - GROUP TERM LIFE | 290 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - SHORT-TERM DISABILITY | 291 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LONG-TERM DISABILITY | 290 | $46K |
| Prescription drug(2 contracts, 2 carriers) | COMMUNITY CARE | 501 | $1.4M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - GROUP TERM LIFE | 290 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.