| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73083 | DELTA DENTAL | $8K | $10K | $17K | 13.80% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.81% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| CHRISTI MAE WOODARD3 | 5405 SUDBURY LN OKLAHOMA CITY, OK 73135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $630 | $2K | 6.24% |
| DREW M SMITH, INC3 Filed as: DREW M SMITH | P.O. BOX 6303 EDMOND, OK 73083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.91% |
| SAMUEL A MCFALL3 | 609 NORTH BROADWAY WICHITA, KS 67214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $357 | $2K | 4.73% |
| REBECCA L. VONFELDT3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $522 | — | $522 | 1.58% |
| DAWNA WILLIAMS3 | 3024 SW 130TH ST OKLAHOMA CITY, OK 73170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $371 | $478 | 1.45% |
| CODY FREEMAN3 | 2228 SHADOWLAKE DR OKLAHOMA CITY, OK 73159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $346 | $453 | 1.38% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 | 2212 NW 50TH ST STE 140C OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | — | $404 | 1.23% |
| WILLIAM L COEN JR3 Filed as: WILLIAM COEN JR | 9811 W CORNELISON ST WICHITA, KS 67212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.87% |
| RANDALL E GRAVES3 Filed as: RANDALL GRAVES | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.80% |
| CAROLYN GRAVES3 | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.40% |
| KELLY W PUGH3 Filed as: KELLY W. PUGH | 7367 S. 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.30% |
| RODNEY G STORCK3 Filed as: RODNEY STORCK | 609 NORTH BROADWAY WICHITA, KS 67214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $6 | $32 | 0.10% |
| ANDREA DARLENE KRAMER3 | 20872 S LAUREL ST COLLINSVILLE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| TERICA JONES3 | P.O. BOX 720637 OKLAHOMA CITY, OK 73172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $505 | — | $505 | 15.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $163K |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 182 | $125K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $91K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $58K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.