| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA S PARCHMAN LLC3 | 1914 W C ST. JENKS, OK 740372367 | BLUECROSS BLUESHIELD OF OKLAHOMA | $50K | $2K | $52K | 5.15% |
| 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 | 6.64% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 8.99% |
| MELISSA S PARCHMAN LLC3 | 1914 WEST C STREET JENKS, OK 74037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.78% |
| SHANNON MARIE BALDWIN3 | 14620 S 52ND EAST AVE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $34 | $1K | 7.26% |
| INTERNATIONAL INSURNACE BROKERS LTD3 | P.O. BOX 35487 TULSA, OK 74153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | $0 | $488 | 3.24% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $7 | $349 | 2.32% |
| MICHAEL ARTHUR KIRK3 | 8401 S 4TH ST BROKEN ARROW, OK 74011 | AFLAC | $557 | $0 | $557 | 5.39% |
| MELISSA S PARCHMAN LLC3 | 1914 W C ST JENKS, OK 74037 | AFLAC | $265 | $0 | $265 | 2.56% |
| MARK MCDANIEL3 | 1328 SANDSTONE NOBLE, OK 73068 | AFLAC | $60 | $0 | $60 | 0.58% |
| LISA KAY HANNA3 | PO BOX 168 WARNER, OK 74469 | AFLAC | $55 | $0 | $55 | 0.53% |
| NANCY K BLOCKER3 | 1919 E 35TH PL TULSA, OK 74105 | AFLAC | $52 | $0 | $52 | 0.50% |
| COREY MACINTYRE3 | 4334 S 173RD EAST AVE TULSA, OK 74134 | AFLAC | $48 | $0 | $48 | 0.46% |
| IAGENTTCB LLC3 | 14911 S 4220 RD AVE CLAREMORE, OK 74017 | AFLAC | $44 | $0 | $44 | 0.43% |
| HAYS COMPANIES, INC.3 Filed as: CHRISTINE M HAYS | 5536 S BIRMINGHAM AVE TULSA, OK 74105 | AFLAC | $43 | $0 | $43 | 0.42% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $31 | $0 | $31 | 0.30% |
| KELLY A JONES3 Filed as: KELLY A JONES MORRIS | 1512 MELMART DR BARTLESVILLE, OK 74006 | AFLAC | $25 | $0 | $25 | 0.24% |
| TRAVIS D HURT3 | 18446 S 154TH EAST AVE BIXBY, OK 74008 | AFLAC | $24 | $0 | $24 | 0.23% |
| DAVID L DEARDORFF3 | 9083 E 138TH ST S BIXBY, OK 74008 | AFLAC | $16 | $0 | $16 | 0.15% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $7 | $0 | $7 | 0.07% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $7 | $0 | $7 | 0.07% |
| JOHN N KARR3 | 907 S DETROIT AVE STE 905 TULSA, OK 74120 | AFLAC | $3 | $0 | $3 | 0.03% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $3 | $0 | $3 | 0.03% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $2 | $0 | $2 | 0.02% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 226 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $131K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $131K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $146K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $25K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.