| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA S PARCHMAN LLC3 | 1914 W C ST. JENKS, OK 740372367 | BLUECROSS BLUESHIELD OF OKLAHOMA | $49K | $0 | $49K | 4.95% |
| MELISSA S PARCHMAN LLC3 Filed as: MELISSA S. PARCHMAN, LLC | 1419 S UTICA TULSA, OK 74104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.27% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $827 | $351 | $1K | 8.73% |
| SHANNON MARIE BALDWIN3 | 14620 S 52ND EAST AVE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $130 | $1K | 8.03% |
| MELISSA S PARCHMAN LLC3 | 1914 WEST C STREET JENKS, OK 74037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $0 | $483 | 3.58% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $24 | $308 | 2.28% |
| INTERNATIONAL INSURANCE BROKERS LTD3 | PO BOX 35487 TULSA, OK 74153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 1.04% |
| INTERNATIONAL INSURNACE BROKERS LTD3 | P.O. BOX 35487 TULSA, OK 74153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.80% |
| MICHAEL ARTHUR KIRK3 | 4150 S 100TH EAST AVE STE 101 TULSA, OK 74146 | AFLAC | $720 | $246 | $966 | 8.04% |
| ASHLEY LOVELADY3 | 6608 E 578 LOCUST GROVE, OK 74352 | AFLAC | $566 | $202 | $768 | 6.39% |
| MELISSA S PARCHMAN LLC3 | 1914 W C ST JENKS, OK 74037 | AFLAC | $572 | $0 | $572 | 4.76% |
| MARK MCDANIEL3 | 11928 HIGHWAY 62 FORT GIBSON, OK 74434 | AFLAC | $150 | $21 | $171 | 1.42% |
| LISA KAY HANNA3 | PO BOX 168 WARNER, OK 74469 | AFLAC | $122 | $0 | $122 | 1.02% |
| COREY MACINTYRE3 | 4408 W INDIANA ST BROKEN ARROW, OK 74012 | AFLAC | $67 | $0 | $67 | 0.56% |
| HAYS COMPANIES, INC.3 Filed as: CHRISTINE M HAYS | 5536 S BIRMINGHAM AVE TULSA, OK 74105 | AFLAC | $48 | $0 | $48 | 0.40% |
| TRAVIS D HURT3 | 18446 S 154TH EAST AVE BIXBY, OK 74008 | AFLAC | $48 | $0 | $48 | 0.40% |
| LANCE J MILLER3 Filed as: LANCE J MILLS | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $35 | $0 | $35 | 0.29% |
| NANCY K BLOCKER3 Filed as: NANCY K MACKEY | 1919 E 35TH PL TULSA, OK 74105 | AFLAC | $33 | $0 | $33 | 0.27% |
| KELLY A JONES3 | 1512 MELMART DR BARTLESVILLE, OK 74006 | AFLAC | $31 | $0 | $31 | 0.26% |
| NANCY K BLOCKER3 Filed as: NANCY K BLOCKERICE | 1919 E 35TH PL TULSA, OK 74105 | AFLAC | $24 | $0 | $24 | 0.20% |
| DAVID L DEARDORFF3 | 9083 E 138TH ST S BIXBY, OK 74008 | AFLAC | $18 | $0 | $18 | 0.15% |
| ALISA F HALL3 | 4989 S 72ND EAST AVE APT B TULSA, OK 74145 | AFLAC | $11 | $0 | $11 | 0.09% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $9 | $0 | $9 | 0.07% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $8 | $0 | $8 | 0.07% |
| JOHN N KARR3 | 907 S DETROIT AVE STE 905 TULSA, OK 74120 | AFLAC | $6 | $0 | $6 | 0.05% |
| HAYS COMPANIES, INC.3 Filed as: MICHAEL P HAYS | 5536 S BIRMINGHAM AVE TULSA, OK 74105 | AFLAC | $6 | $0 | $6 | 0.05% |
| JOHN N KARR3 | 202 N ARMSTRONG ST BIXBY, OK 74008 | AFLAC | $3 | $0 | $3 | 0.02% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $3 | $0 | $3 | 0.02% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $3 | $0 | $3 | 0.02% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.01% |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $1 | $0 | $1 | 0.01% |
| MELISSA S PARCHMAN LLC3 | 1914 WEST C STREET JENKS, OK 74037 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $373 | — | $373 | 13.65% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 240 | $982K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $127K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $140K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $28K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.