| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | BLUECROSS BLUESHIELD OF OKLAHOMA | $59K | $5K | $64K | 3.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK)LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 10.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.41% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $324 | $0 | $324 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHHOMA CITY, OK 73142 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 17.38% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPTIAL OF TX HWY SOUTH #2-600 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.02% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $35 | $35 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 427 BOSTON AVE STE 502 TULSA, OK 74103 | AMERITAS LIFE INSURANCE | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1250 CAPTIAL OF TX HWY SOUTH BLDG 2 STE 600 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE | $0 | $290 | $290 | 1.07% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 250 | $1.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $134K |
| Vision | AMERITAS LIFE INSURANCE | 312 | $27K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 136 | $128K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 136 | $128K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 136 | $128K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 136 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.