| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | BLUECROSS BLUESHIELD OF OKLAHOMA | $88K | $865 | $89K | 5.30% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET, SUITE B TULSA, OK 74119 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.55% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA, OK 73114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.44% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.21% |
| BANCFIRST INSURANCE SERVICES, INC.3 | 220 EAST 8TH STREET TULSA, OK 74119 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.21% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 238 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 238 | $1.7M |
| Vision | VISION SERVICE PLAN | 123 | $23K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 950 | $53K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $30K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $30K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 238 | $1.7M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 950 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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.