| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | BLUECROSS BLUESHIELD OF OKLAHOMA | $82K | — | $82K | 4.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AETNA LIFE INCURANCE COMPANY | $17K | — | $17K | 14.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $5K | $7K | $12K | 13.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $619 | $2K | 12.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $104 | — | $104 | 0.62% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 206 | $1.7M |
| Dental | DELTA DENTAL | 87 | $88K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $17K |
| Life insurance | AETNA LIFE INCURANCE COMPANY | 121 | $115K |
| Long-term disability | AETNA LIFE INCURANCE COMPANY | 121 | $115K |
| Other | AETNA LIFE INCURANCE COMPANY | 121 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.