| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK , LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 731421875 | BLUE CROSS BLUE SHIELD OKLAHOMA | $110K | — | $110K | 3.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPRATE SERVICES INC | 411 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 26.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $10K | $20K | $30K | 24.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK , LLC | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 731421875 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
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 | 1,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 220 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OKLAHOMA | 545 | $2.8M |
| Dental | DELTA DENTAL | 391 | $124K |
| Vision | VISION SERVICE PLAN | 327 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,409 | $206K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,409 | $206K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,409 | $206K |
| Prescription drug | BLUE CROSS BLUE SHIELD OKLAHOMA | 545 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,409 | — |
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.