| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD BENEFITS GROUP, LLC Filed as: VANGUARD BENEFITS GROUP | 3325 FRENCH PARK DRIVE SUITE 1 EDMOND, OK 73034 | PAN AMERICAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| VANGUARD BENEFITS GROUP, LLC Filed as: VANGUARD BENEFITS GROUP | 3325 FRENCH PARK DRIVE SUITE 1 EDMOND, OK 73034 | DELTA DENTAL PLAN OF OKLAHOMA | $4K | — | $4K | 8.00% |
| VANGUARD BENEFITS GROUP, LLC Filed as: VANGUARD BENEFITS GROUP | 3325 FRENCH PARK DRIVE SUITE 1 EDMOND, OK 73034 | AMERITAS VISION PLAN | $2K | — | $2K | 10.00% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 100 | $248K |
| Dental | DELTA DENTAL PLAN OF OKLAHOMA | 122 | $48K |
| Vision | AMERITAS VISION PLAN | 116 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.