| 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 | $46K | $4K | $50K | 4.89% |
| COLLEEN MARIE STEVENS3 Filed as: COLLEEN M STEVENS | 10417 CONDOR TERRACE OKLAHOMA CITY, OK 73162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.01% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $338 | $338 | 0.75% |
| COLLEEN MARIE STEVENS3 Filed as: COLLEEN M STEVENS | 10417 CONDOR TERRACE OKLAHOMA CITY, OK 73162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $118 | $118 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 31.22% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 393 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 393 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $45K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.