| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROONEY INSURANCE AGENCY INC3 | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $152K | — | $152K | 4.87% |
| ROONEY INSURANCE AGENCY INC4 | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107K | $0 | $107K | 15.00% |
| ROONEY INSURANCE AGENCY INC4 | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | $0 | $53K | 15.00% |
| ROONEY INSURANCE AGENCY INC4 | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| ROONEY INSURANCE AGENCY INC4 | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| RENEE MCKNIGHT4 | 4205 W VANDALIA ST BROKEN ARROW, OK 74012 | PRE-PAID LEGAL SERVICES | $6K | — | $6K | 14.19% |
| ROONEY INSURANCE AGENCY INC4 Filed as: ROONEY INSURANCE AGENCY | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | PRE-PAID LEGAL SERVICES | $3K | — | $3K | 6.55% |
| KELLEY J RHEAULT4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES | $27 | — | $27 | 0.06% |
| ROONEY INSURANCE AGENCY INC4 | 5100 E SKELLY DRIVE, STE 1010 TULSA, OK 74135 | CIGNA HEALTH & LIFE INSURANCE | $13K | $0 | $13K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATOR | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $1.2M |
| EVERNORTH CARE SOLUTIONS EIN 86-1465626 EAP PLAN ADMINISTATOR | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $29K |
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 | 2,832 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,832 | $3.1M |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,764 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,832 | — |
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.