| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | HEALTH CARE SERVICES CORPORATION | $68K | — | $68K | 4.80% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $8K | $10K | $18K | 13.87% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.44% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| REBECCA L. VONFELDT3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | — | $870 | 2.66% |
| ANDREA DARLENE KRAMER3 | 20872 S LAUREL ST COLLINSVILLE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $661 | $6 | $667 | 2.04% |
| RANDALL E GRAVES3 Filed as: RANDALL GRAVES | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | — | $437 | 1.34% |
| MEGAN NICOLE VONFELDT3 | 2800 SHADY TREE LANE EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 0.72% |
| CAROLYN GRAVES3 | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.67% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 S. 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $7 | $217 | 0.66% |
| TERICA JONES3 | P.O. BOX 720637 OKLAHOMA CITY, OK 73172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.64% |
| BATES INSURANCE GROUP LLC3 Filed as: BATES INSURANCE GROUP, LLC | 519 N. 1ST PONCA CITY, OK 74601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $56 | $155 | 0.47% |
| KERRI JOANN MUSGROVE3 | 10028 SOUTH 99TH E AVE TULSA, OK 74133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.38% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $608 | — | $608 | 15.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 287 | $1.4M |
| Dental | DELTA DENTAL | 189 | $132K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $93K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $60K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.