| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARCY SCHLABACH3 | 2828 NW 57TH STREET, SUITE 201 OKLAHOMA CITY, OK 73112 | AFLAC | $8K | $337 | $9K | 12.00% |
| ADDISON R STEWART3 Filed as: ADDISON STEWART | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | AFLAC | $2K | $67 | $2K | 2.71% |
| BOBBY STEWART3 | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | AFLAC | $2K | $67 | $2K | 2.25% |
| IVA GERMANY3 | 14433 LOCUST STREET PIEDMONT, OK 73078 | AFLAC | $413 | $0 | $413 | 0.58% |
| DEDRIA DEANNE STEWART3 Filed as: DEDRIA STEWART | 19116 SUNSET BAY DRIVE LAND O LAKES, FL 34638 | AFLAC | $317 | $0 | $317 | 0.45% |
| MIKE E MILLIGAN3 Filed as: MIKE MILLIGAN | 1201 NORTH CHARLOTTE TERRACE MUSTANG, OK 73064 | AFLAC | $301 | $0 | $301 | 0.42% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $210 | $0 | $210 | 0.30% |
| ROBERT A KIRKPATRICK3 Filed as: ROBERT KIRKPATRICK | 410 EVERNIA STREET, APT. 325 WEST PALM BEACH, FL 33401 | AFLAC | $194 | $0 | $194 | 0.27% |
| GINA SCHLABACH3 | 15308 GRAND PARKE DRIVE EDMOND, OK 73013 | AFLAC | $169 | $0 | $169 | 0.24% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 NORTH COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $58 | $45 | $103 | 0.14% |
| PENNY J SPURLIN3 Filed as: PENNY SPURLIN | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $97 | $0 | $97 | 0.14% |
| HENRY J ROTH3 Filed as: HENRY KLAAS | 114 FOREST RETREAT ROAD HENDERSONVILLE, TN 37075 | AFLAC | $79 | $0 | $79 | 0.11% |
| TOMMY MCKEE3 | 5013 FOREST OAKS DRIVE LAS VEGAS, NV 89149 | AFLAC | $69 | $0 | $69 | 0.10% |
| STEVEN WARD3 | PO BOX 31342 EDMOND, OK 73003 | AFLAC | $62 | $0 | $62 | 0.09% |
| PATRICIA JENNINGS3 | 10225 BONNYCASTLE DRIVE YUKON, OK 73099 | AFLAC | $58 | $0 | $58 | 0.08% |
| NICOLE CARPENTER3 | 2525 NW EXPRESSWAY, SUITE 409 OKLAHOMA CITY, OK 73112 | AFLAC | $51 | $0 | $51 | 0.07% |
| SHARON L SUTHERLIN3 Filed as: SHARON SUTHERLIN | PO BOX 813 LAWTON, OK 73502 | AFLAC | $48 | $0 | $48 | 0.07% |
| LISA B NEWPORT3 Filed as: LISA NEWPORT | 11554 ANDOVER COURT MIDWEST CITY, OK 73130 | AFLAC | $45 | $0 | $45 | 0.06% |
| WARREN E CHRISTY3 Filed as: WARREN CHRISTY | 19420 STONE CRESS COURT EDMOND, OK 73012 | AFLAC | $32 | $0 | $32 | 0.05% |
| WATERSONE BENEFIT ADMIN LLC3 | 4013 NW EXPRESSWAY, SUITE 575 OKLAHOMA CITY, OK 73116 | AFLAC | $30 | $0 | $30 | 0.04% |
| RILEY SMITH3 | PO BOX 1148 ALTUS, OK 73522 | AFLAC | $21 | $6 | $27 | 0.04% |
| DAREN WARREN3 | 13504 NORTH 2320 ROAD GOTEBO, OK 73041 | AFLAC | $26 | $0 | $26 | 0.04% |
| KENNETH B BEDDOW3 Filed as: KENNETH BEDDOW | 707 NORTH WALNUT STREET PAULS VALLEY, OK 73075 | AFLAC | $26 | $0 | $26 | 0.04% |
| STEPHEN W SIMPSON3 Filed as: STEPHEN SIMPSON | 541 CONQUISTADOR COURT EDMOND, OK 73025 | AFLAC | $20 | $0 | $20 | 0.03% |
| JOYCE BLACK3 Filed as: JOYCE BLAVK | 1802 WEST IDAHO AVENUE CHICKASHA, OK 73018 | AFLAC | $16 | $0 | $16 | 0.02% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 8545 SW 86TH TERRACE OCALA, FL 34481 | AFLAC | $11 | $0 | $11 | 0.02% |
| JOSEPH WESLEY WILLINGHAM3 Filed as: JOSEPH WILLINGHAM | 1502 NORTH METCALF ROAD LOIUSBURG, KS 66053 | AFLAC | $8 | $0 | $8 | 0.01% |
| RONNIE WEBBER3 | 411 GREEN MEADOW TRAIL HOLLY LAKE RANCH, TX 75765 | AFLAC | $7 | $0 | $7 | 0.01% |
| BRENDA MEACHAM3 | 200 EAST GARY BOULEVARD CLINTON, OK 73601 | AFLAC | $5 | $1 | $6 | 0.01% |
| CHARLES ROBERTS3 | 3100 SOUTH BERRY ROAD, SUITE 100 NORMAN, OK 73072 | AFLAC | $4 | $1 | $5 | 0.01% |
| SHELBY KIRKENDALL3 | 1720 CIMARRON TRAIL CHOCTAW, OK 73020 | AFLAC | $4 | $0 | $4 | 0.01% |
| TRULUCK & ASSOCIATES INC3 Filed as: TRULUCK & ASSOCIATES INC. | 8721 CYPRESS RESERVE CIRCLE ORLANDO, FL 32836 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHARLES D MANGUS3 Filed as: CHARLES MAGNUS | 13213 NW 6TH STREET YUKON, OK 73099 | AFLAC | $3 | $0 | $3 | 0.00% |
| TAMMY VAN HOUTEN-THOMPSON3 Filed as: TAMMY THOMPSON | 12104 SW 26TH STREET YUKON, OK 73099 | AFLAC | $2 | $0 | $2 | 0.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 126 | $71K |
| Other | AFLAC | 126 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.