| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | COMMUNITYCARE HMO | $0 | $21K | $21K | 4.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | EQUITABLE LIFE INSURANCE COMPANY | $5K | $2K | $7K | 16.19% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 5591 SOUTH LEWIS AVENUE TULSA, OK 74105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.36% |
| RICHARD DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $893 | $0 | $893 | 5.05% |
| CYNTHIA A. HAWKINSON3 Filed as: CYNTHIA ANN HAWKINSON | 18503 EAST 380 ROAD CHELSEA, OK 74016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $567 | $0 | $567 | 3.21% |
| MARK EDWIN SCHMITZ3 | 1512 TRENTON BROKEN ARROW, OK 74012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.95% |
| BRIAN K EVERETT3 Filed as: BRIAN KEITH EVERETT | 2244 36TH AVENUE NW, SUITE 100 NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 0.77% |
| JAMES D GRACE3 Filed as: JAMES D. GRACE | 4316 SOUTH ASPEN PLACE BROKEN ARROW, OK 74011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.59% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 67 | $489K |
| Dental | EQUITABLE LIFE INSURANCE COMPANY | 113 | $43K |
| Vision | EQUITABLE LIFE INSURANCE COMPANY | 113 | $43K |
| Life insurance | EQUITABLE LIFE INSURANCE COMPANY | 113 | $43K |
| Short-term disability | EQUITABLE LIFE INSURANCE COMPANY | 113 | $43K |
| Prescription drug | COMMUNITYCARE HMO | 67 | $489K |
| Other(2 contracts, 2 carriers) | EQUITABLE LIFE INSURANCE COMPANY | 113 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.