| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXPLAN ADMINISTRATORS, INC.3 | 6314 EAST 15TH STREET TULSA, OK 74112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| FLEX PLAN ADMINISTRATORS INC3 Filed as: FLEX PLAN ADMINISTRATORS, INC. | 6314 EAST 15TH STREET TULSA, OK 74112 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.37% |
| J.W. KEMPTON & ASSOCIATES INC3 Filed as: J. W. KEMPTON & ASSOCIATES, INC. | 13431 BROADWAY EXT, SUITE 130 OKLAHOMA CITY, OK 73114 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 10.00% |
| DAVID H. JOHNSON3 | 3377 BRYAN ROAD DURANT, OK 74701 | AFLAC | $1K | $35 | $1K | 6.61% |
| JOSHUA WORTHY3 Filed as: JOSHUA I. WORTHY | 3700 NORTH CLASSEN BOULEVARD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $300 | $12 | $312 | 1.43% |
| RICHARD C. DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | AFLAC | $268 | $0 | $268 | 1.23% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $168 | $0 | $168 | 0.77% |
| MJ INSURANCE3 Filed as: JEFFREY L. INMAN AND VARIOUS AGENTS | 20700 LINDA LANE MCLOUD, OK 74851 | AFLAC | $147 | $16 | $163 | 0.75% |
| GW NEWMAN INSURANCE, INC3 Filed as: GW NEWMAN INSURANCE, INC. | 19 JOAN STREET DURANT, OK 74701 | AFLAC | $161 | $0 | $161 | 0.74% |
| GEOFF W NEWMAN3 Filed as: GEOFF W. NEWMAN | 19 JOAN STREET DURANT, OK 74701 | AFLAC | $134 | $12 | $146 | 0.67% |
| DAVID H. JOHNSON3 | 3377 BRYAN ROAD DURANT, OK 74701 | AFLAC | $286 | $0 | $286 | 4.46% |
| RICHARD C. DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | AFLAC | $140 | $0 | $140 | 2.19% |
| CYNTHIA A. HAWKINSON3 | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $121 | $0 | $121 | 1.89% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $105 | $0 | $105 | 1.64% |
| JOSHUA WORTHY3 Filed as: JOSHUA I. WORTHY | 3700 NORTH CLASSEN BOULEVARD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $82 | $0 | $82 | 1.28% |
| MARK EDWIN SCHMITZ3 Filed as: MARK EDWIN SCHMITZ AND OTHER AGENTS | 1512 WEST TRENTON STREET BROKEN ARROW, OK 74012 | AFLAC | $46 | $0 | $46 | 0.72% |
| JEFFREY L. INMAN3 | 20700 LINDA LANE MCLOUD, OK 74851 | AFLAC | $21 | $0 | $21 | 0.33% |
| OKLAHOMA AUTOMOBILE DEALERS3 | UNKNOWN OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY | $36 | $0 | $36 | 1.27% |
| EMPLOYEE BENEFITS ADVISOR3 | PO BOX 2764 NORMAN, OK 73070 | 5STAR LIFE INSURANCE COMPANY | $8 | $0 | $8 | 1.92% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 383 | $269K |
| Vision | AMERITAS LIFE INSURANCE CORP | 734 | $55K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $84K |
| Long-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $139K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 392 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.