| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER JACOB ROBBINS3 | 6301 WATERFORD BLVD., SUITE 440 OKLAHOMA CITY, OK 73118 | NORTHWESTERN MUTUAL | $3K | $822 | $4K | 7.48% |
| TRACY THOMAS MARTINO3 | 6301 WATERFORD BLVD., SUITE 440 OKLAHOMA CITY, OK 73118 | NORTHWESTERN MUTUAL | $2K | $549 | $3K | 5.02% |
| PILLARS FNCL LLC3 | 201 S DENVER AVE., STE 500 TULSA, OK 74103 | NORTHWESTERN MUTUAL | $549 | $197 | $746 | 1.36% |
| PILLARS FNCL LLC3 | 201 S DENVER AVE., STE. 500 TULSA, OK 74103 | NORTHWESTERN MUTUAL | $549 | $66 | $615 | 1.12% |
| CHRISTOPHER JACOB ROBBINS3 | 6301 WATERFORD BLVD., SUITE 440 OKLAHOMA CITY, OK 73118 | NORTHWESTERN MUTUAL | $3K | $928 | $4K | 7.93% |
| TRACY THOMAS MARTINO3 | 6301 WATERFORD BLVD., SUITE 440 OKLAHOMA CITY, OK 73118 | NORTHWESTERN MUTUAL | $2K | $477 | $2K | 5.02% |
| PILLARS FNCL LLC3 | 201 S DENVER AVE., STE 500 TULSA, OK 74103 | NORTHWESTERN MUTUAL | $477 | $171 | $648 | 1.36% |
| PILLARS FNCL LLC3 | 201 S DENVER AVE., STE 500 TULSA, OK 74103 | NORTHWESTERN MUTUAL | $477 | $57 | $534 | 1.12% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 112 | $48K |
| Long-term disability | NORTHWESTERN MUTUAL | 112 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.