| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXPLAN ADMINISTRATORS, INC.3 Filed as: FLEXPLAN ADMINISTRATORS INC | 1135 E 33RD PLACE TULSA, OK 74105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| FLEX PLAN ADMINISTRATIONS INC3 | 1133 E 33RD PL TULSA, OK 74105 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 15.93% |
| J.W. KEMPTON & ASSOCIATES INC3 Filed as: J W KEMPTON & ASSO INC | 13431 BROADWAY EXT STE 130 OKLAHOMA CITY, OK 731142225 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| FLEX PLAN ADMINISTRATORS INC3 | 1135 E 33RD PLACE TULSA, OK 74106 | METLIFE LEGAL PLANS | $533 | — | $533 | 4.68% |
| OKLA AUTOMOBILE DEALERS3 | C/O JESSICA BURNARD OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $17 | $17 | 0.78% |
| REGGIE O OZEROGLU3 | 1800 N INTERSTATE DR SUITE 110 NORMAN, OK 73702 | 5STAR LIFE INSURANCE COMPANY | $8 | — | $8 | 1.92% |
| OKLA AUTOMOBILE DEALERS3 | C/O JESSICA BURNARD OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $17 | $17 | 4.14% |
| FLEX PLAN ADMINISTRATORS INC3 | 1133 E 33RD PL TULSA, OK 74105 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | — | $90 | — |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 333 | $226K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 613 | $48K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $56K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $89K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 368 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.