| 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 | $71K | — | $71K | 0.51% |
| 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 | $75K | $6K | $81K | 16.25% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 E 8TH ST STE B TULSA, OK 741191614 | VISION SERVICE PLAN | $11K | — | $11K | 4.98% |
| BANCFIRST INS SERVICES INC3 | 220 E 8TH ST STE B TULSA, OK 741191614 | UNITED OF OMAHA LIFE INSURANCE CO | $32K | $5K | $37K | 17.29% |
| 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 | $31K | $5K | $36K | 17.31% |
| BANFIRST INSURANCE SERVICES INC3 | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE CO. | $22K | $4K | $26K | 15.34% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 13230 PAWNEE DRIVE OKLAHOMA CITY, OK 73114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 15.10% |
| WILLIAM D STAEDKE3 | P.O. BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 7.56% |
| KELLY W PUGH3 Filed as: KELLY PUGH | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $308 | $2K | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEMPTON GROUP ADMINISTRATORS INC NONE | Claims processing Service code 12 | 13431 N. BROADWAY EST STE 130 OKLAHOMA CITY, OK 73114 | $316K |
| 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 | $14K |
| FINLEY & COOK, PLLC NONE | Accounting (including auditing) Service code 10 | 1421 E. 45TH STREET SHAWNEE, OK 74804 | $14K |
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 | 1,504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 2,914 | $14.0M |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 2,914 | $14.0M |
| Vision | VISION SERVICE PLAN | 1,402 | $216K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 1,912 | $671K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 743 | $216K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 1,913 | $209K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 2,914 | $14.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO. | 1,912 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,914 | — |
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.