| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRH OF OKLAHOMA3 | 62892 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AETNA LIFE INSURANCE COMPANY | $61K | — | $61K | 5.23% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN GROUP | PO BOX 25928 OKLAHOMA CITY, OK 73125 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | TWO LEADERSHIP SQUARE OKLAHOMA CITY, OK 73102 | AETNA LIFE INSURANCE COMPANY | — | $139 | $139 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OKLAHOMA, INC. | 211 N ROBINSON AVE STE 700 OKLAHOMA CITY, OK 73102 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 9.12% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OKLAHOMA INC | TWO LEADERSHIP SQUARE OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $5K | — | $5K | 4.99% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD #300 OKLAHOMA CITY, OK 73118 | DELTA DENTAL | $1K | — | $1K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OKLAHOMA, INC. | 211 N ROBINSON AVE STE 700 OKLAHOMA CITY, OK 73102 | VISION SERVICE PLAN | $870 | — | $870 | 5.38% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | VISION SERVICE PLAN | $100 | — | $100 | 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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 250 | $1.2M |
| Dental | DELTA DENTAL | 133 | $102K |
| Vision | VISION SERVICE PLAN | 131 | $16K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 206 | $133K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 206 | $133K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 206 | $133K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 206 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.