| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNITED HEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 3.09% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73083 | UNITED HEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OK | 211 N. ROBINSON AVE STE S700 OKLAHOMA CITY, OK 73102 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.54% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $5K | — | $5K | 3.55% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73083 | DELTA DENTAL | $3K | — | $3K | 2.45% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.46% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.69% |
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INS ADVISORS | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.88% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.12% |
| REBECCA L. VONFELDT3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $670 | — | $670 | 2.38% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | — | $658 | 2.34% |
| RANDALL E GRAVES3 Filed as: RANDALL GRAVES | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 1.20% |
| CAROLYN GRAVES3 | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.60% |
| ANDREA DARLENE KRAMER3 | 20872 S LAUREL ST COLLINSVILLE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.56% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 S. 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $12 | $133 | 0.47% |
| TERICA JONES3 | P.O. BOX 720637 OKLAHOMA CITY, OK 73172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.15% |
| SAMUEL A MCFALL3 | 609 NORTH BROADWAY WICHITA, KS 67214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.06% |
| MEGAN NICOLE VONFELDT3 | 2800 SHADY TREE LANE EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| KERRI JOANN MUSGROVE3 | 10028 SOUTH 99TH E AVE TULSA, OK 74133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| BATES INSURANCE GROUP LLC3 Filed as: BATES INSURANCE GROUP, LLC | 519 N. 1ST PONCA CITY, OK 74601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INS ADVISORS | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $315 | — | $315 | 8.33% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | — | $231 | 6.11% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 280 | $1.3M |
| Dental | DELTA DENTAL | 182 | $127K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $91K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $63K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
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.