| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC0 | 8144 WALNUT HILL LN DALLAS, TX 75231 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $66K | — | $66K | 0.41% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 220 E 8TH ST STE B TULSA, OK 741191614 | UNITED OF OMAHA LIFE INSURANCE CO | $79K | $11K | $90K | 17.10% |
| BANCFIRST INS SERVICES INC3 | 220 E 8TH ST STE B TULSA, OK 741191614 | UNITED OF OMAHA LIFE INSURANCE CO | $45K | $7K | $52K | 17.45% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 220 E 8TH ST STE B TULSA, OK 741191614 | UNITED OF OMAHA LIFE INSURANCE CO | $41K | $8K | $48K | 17.78% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH ST STE B TULSA, OK 741191614 | VISION SERVICE PLAN | $12K | — | $12K | 5.28% |
| BANFIRST INSURANCE SERVICES INC3 | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE CO. | $26K | $6K | $32K | 16.11% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 13230 PAWNEE DRIVE OKLAHOMA CITY, OK 73114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 13.45% |
| WILLIAM D STAEDKE3 | P.O. BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $471 | $8K | 4.21% |
| KELLY W PUGH3 Filed as: KELLY PUGH | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $127 | $1K | 0.67% |
| ASHLEY RENEE CUNNINGHAM3 | 6400 NW 163RD PL EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS PA | 407 WINDSOR DR CLINTON, MS 39056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHANNON MARIE BALDWIN3 | 14620 S 52ND EAST AVE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROBBINS RESEARCH AND PLANNING INC4 | 11012 COVINGTON WAY OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ZACHARY PAUL KILPATRICK3 | 899 REASON JONES RD VALLEY VIEW, TX 76272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BANCFIRST INS SERVICES INC3 | 220 E 8TH ST STE B TULSA, OK 741191614 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEMPTON GROUP ADMINISTRATORS INC NONE | Claims processing Service code 12 | 13431 N. BROADWAY EST STE 130 OKLAHOMA CITY, OK 73114 | $321K |
| MARSH & MCLENNAN NONE | Consulting (general) Service code 16 | 8144 WALNUT HILL LN DALLAS, TX 75231 | $48K |
| ISOLVED BENEFIT SERVICES NONE | Claims processing Service code 12 | PO BOX 949 COLDWATER, MI 490360949 | $16K |
| FINLEY & COOK, PLLC NONE | Accounting (including auditing) Service code 10 | 1421 E. 45TH STREET SHAWNEE, OK 74804 | $13K |
| LEWIS ELLIS ACTUARIES NONE | Actuarial Service code 11 | 13720 NOEL ROAD, SUITE 1400 DALLAS, TX 75240 | $5K |
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 | 1,764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 3,058 | $16.1M |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 3,058 | $16.1M |
| Vision | VISION SERVICE PLAN | 1,502 | $225K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 2,024 | $728K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 727 | $343K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 2,024 | $272K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 3,058 | $16.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO. | 2,024 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,058 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.