| 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 | $97K | $4K | $100K | 4.50% |
| COLLEEN MARIE STEVENS3 Filed as: COLLEEN M STEVENS | 10417 CONDOR TERRACE OKLAHOMA CITY, OK 73162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $119 | $2K | 1.78% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $669 | $669 | 0.64% |
| COLLEEN MARIE STEVENS3 Filed as: COLLEEN M STEVENS | 10417 CONDOR TERRACE OKLAHOMA CITY, OK 73162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $52 | $1K | 2.60% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $265 | $265 | 0.63% |
| 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 (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 23.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | DEARBORN LIFE INSURANCE COMPANY | $3K | $769 | $4K | 17.24% |
| CAROLYN GRAVES3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $0 | $181 | 4.96% |
| RANDALL E GRAVES3 | 9212 RAVEN AVE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.55% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.14% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 356 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 356 | $2.2M |
| Vision | AMERITAS LIFE INSURANCE | 411 | $30K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $171K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $105K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
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.