| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVERSAL INSURANCE3 | PO BOX 6327 MOORE, OK 73153 | BLUECROSS BLUESHIELD OF TEXAS | $32K | — | $32K | 3.60% |
| FIRST UNITED BANK INS. SOLUTIONS3 Filed as: FIRST UNITED BANK | PO BOX 6327 MOORE, OK 73153 | BLUECROSS BLUESHIELD OF TEXAS | $14K | — | $14K | 1.60% |
| FIRST UNITED BANK INS. SOLUTIONS3 Filed as: FIRST UNITED BANK INS SOLUTIONS INC | 1700 N. BROADWAY AVE MOORE, OK 73160 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 16.10% |
| FIRST UNITED BANK INSURANCE SOLUTIO3 Filed as: FIRST UNITED BANK INS SOLUTIONS DBA | UNIVERSAL INSURANCE AGENCY P.O BOX 6327 MOORE, OK 73153 | DELTA DENTAL | $5K | — | $5K | 8.00% |
| FIRST UNITED BANK INS. SOLUTIONS3 Filed as: FIRST UNITED BANK INS SOLUTIONS | 2615 KELLEY POINTE PKWY EDMOND, OK 730132994 | VISION SERVICE PLAN | $1K | — | $1K | 5.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST UNITED BANK INS SOLUTIONS INC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1700 N BROADWAY AVE MOORE, OK 73160 | $3K |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 212 | $898K |
| Dental | DELTA DENTAL | 129 | $69K |
| Vision | VISION SERVICE PLAN | 102 | $23K |
| Life insurance | AETNA LIFE INSURANCE CO. | 172 | $88K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 172 | $88K |
| Other | AETNA LIFE INSURANCE CO. | 172 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.