| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHER A. BUMPS & ASSOCIATES, INC.3 Filed as: CHER A. BUMPS & ASSOCIATES | 2601 NW EXRESSWAY, SUITE 1000-W OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $11K | — | $11K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 8.20% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $122 | $2K | 1.94% |
| CHER A. BUMPS & ASSOCIATES, INC.3 Filed as: CHER A. BUMPS & ASSOCIATRES | 2601 NW EXPRESSWAY, SUITE 1000-W OKLAHOMA CITY, OK 73112 | VISION SERVICE PLAN | $1K | — | $1K | 5.31% |
| ANDREINI & COMPANY3 | 4801 GAILLARDIA PKWY OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $55 | — | $55 | 0.28% |
| CHER A. BUMPS & ASSOCIATES, INC.3 Filed as: CHER A. BUMPS & ASSOCIATRES | 2601 NW EXPRESSWAY, SUITE 1000-W OKLAHOMA CITY, OK 73112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $600 | $2K | $2K | 53.20% |
| CHER A. BUMPS & ASSOCIATES, INC.3 Filed as: CHER A. BUMPS & ASSOCIATRES | 2601 NW EXPRESSWAY, SUITE 1000-W OKLAHOMA CITY, OK 73112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $582 | $1K | $2K | 46.24% |
| CHER A. BUMPS & ASSOCIATES, INC.3 Filed as: CHER A. BUMPS & ASSOCIATRES | 2601 NW EXPRESSWAY, SUITE 1000-W OKLAHOMA CITY, OK 73112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $545 | $1K | $2K | 50.12% |
| OKLA AUTOMOBILE DEALERS3 | 1710 N. BROADWAY AVENUE OKALHOMA CITY, OK 73103 | AMERICAN FIDELITY ASSURANCE COMPANY | $51 | — | $51 | 1.90% |
| CHER A. BUMPS & ASSOCIATES, INC.3 Filed as: CHER A. BUMPS & ASSOCIATRES | 2601 NW EXPRESSWAY, SUITE 1000-W OKLAHOMA CITY, OK 73112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $393 | $969 | $1K | 51.95% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 174 | $108K |
| Vision | VISION SERVICE PLAN | 142 | $19K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 414 | $96K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 414 | $91K |
| Long-term disability(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 414 | $95K |
| Other(4 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 414 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.