| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARCY SCHLABACH3 | 2828 NW 57TH STREET, SUITE 201 OKLAHOMA CITY, OK 73112 | AFLAC | $6K | $336 | $7K | 11.18% |
| ADDISION R. STEWART3 | 2524 NORTH BROADWAY EDMOND, OK 73034 | AFLAC | $1K | $78 | $1K | 2.03% |
| LORI HOOPER3 Filed as: LORI BICHELMEYER | 117 BARBARA DRIVE EDMOND, OK 73013 | AFLAC | $873 | $0 | $873 | 1.43% |
| BOBBY R STEWART3 Filed as: BOBBY R. STEWART | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | AFLAC | $723 | $78 | $801 | 1.31% |
| MJ INSURANCE3 Filed as: IVA M. GERMANY AND VARIOUS AGENTS | 14433 LOCUST STREET PIEDMONT, OK 73078 | AFLAC | $658 | $0 | $658 | 1.08% |
| SHEREE L. AMOS3 | 4521 HILLSIDE LANE EDMOND, OK 73025 | AFLAC | $564 | $0 | $564 | 0.92% |
| MIKE E MILLIGAN3 Filed as: MIKE E. MILLIGAN | 1201 NORTH CHARLOTTE TERRACE MUSTANG, OK 73064 | AFLAC | $169 | $0 | $169 | 0.28% |
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 | 89 | 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. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 89 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.