| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $155K | — | $155K | 4.86% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $109K | — | $109K | 13.73% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 13.71% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE | $18K | — | $18K | 16.70% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE | $16K | — | $16K | 16.62% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE | $13K | — | $13K | 16.60% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 13.67% |
| RENEE MCKNIGHT4 | 4205 W VADALIA ST BROKEN ARROW, OK 740126013 | PRE-PAID LEGAL SERVICES INC. | $7K | — | $7K | 13.56% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE SUITE 1010 TULSA, OK 74135 | PRE-PAID LEGAL SERVICES INC. | $3K | — | $3K | 6.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCW EIN 59-1031071 CLAIM ADMINISTATOR | Contract Administrator; Participant communication; Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Other services Service code 12 | — | $1.3M |
| EVERNORTH CARE SOLUTIONS EIN 86-1465626 EAP PLAN ADMINISTRATOR | Participant communication; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $34K |
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 | 2,838 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,838 | $3.2M |
| Other(9 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,478 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,838 | — |
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.