| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEX PLAN ADMINISTRATORS INC3 Filed as: FLEX PLAN ADMINISTRATORS, INC. | 6314 EAST 15TH STREET TULSA, OK 74112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 15.00% |
| FLEX PLAN ADMINISTRATORS INC3 Filed as: FLEX PLAN ADMINISTRATORS, INC. | 6314 EAST 15TH STREET TULSA, OK 74112 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.08% |
| J.W. KEMPTON & ASSOCIATES INC3 Filed as: J W KEMPTON & ASSOCIATES, INC. | 13431 BROADWAY EXTENSION, SUITE 130 OKLAHOMA CITY, OK 73114 | AMERITAS LIFE INSURANCE CORP | $6K | $0 | $6K | 10.00% |
| DAVID H. JOHNSON3 | 3377 BRYAN ROAD DURANT, OK 74701 | AFLAC | $1K | $38 | $1K | 6.31% |
| GW NEWMAN INSURANCE, INC3 Filed as: GW NEWMAN INSURANCE, INC. | 19 JOAN STREET DURANT, OK 74701 | AFLAC | $253 | $9 | $262 | 1.35% |
| RICHARD C. DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | AFLAC | $250 | $0 | $250 | 1.29% |
| JEFFERY L. INMAN3 | 20700 LINDA LANE MCLOUD, OK 74851 | AFLAC | $241 | $0 | $241 | 1.24% |
| JOSHUA WORTHY3 Filed as: JOSHUA T. WORTHY | 3700 NORTH CLASSEN BOULEVARD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $205 | $6 | $211 | 1.09% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $158 | $0 | $158 | 0.81% |
| MJ INSURANCE3 Filed as: KEVIN S. RIBERA AND VARIOUS AGENTS | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $88 | $3 | $91 | 0.47% |
| DAVID H. JOHNSON3 | 3377 BRYAN ROAD DURANT, OK 74701 | AFLAC | $686 | $0 | $686 | 9.76% |
| RICHARD C. DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | AFLAC | $135 | $0 | $135 | 1.92% |
| GW NEWMAN INSURANCE, INC3 Filed as: GW NEWMAN INS., INC. & OTHER AGENTS | 19 JOAN STREET DURANT, OK 74701 | AFLAC | $123 | $0 | $123 | 1.75% |
| CYNTHIA A. HAWKINSON3 | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $121 | $0 | $121 | 1.72% |
| TIMOTHY W WORTHY JR3 Filed as: TIMOTHY W. WORTHY, JR. | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $96 | $0 | $96 | 1.37% |
| KEVIN S. RIBERA3 | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $68 | $0 | $68 | 0.97% |
| JOSHUA WORTHY3 Filed as: JOSHUA I. WORTHY | 3700 NORTH CLASSEN BOULEVARD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $53 | $0 | $53 | 0.75% |
| OKLAHOMA AUTOMOBILE DEALERS3 | UNKNOWN OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $35 | $35 | 1.42% |
| EMPLOYEE BENEFITS ADVISOR3 | PO BOX 2764 NORMAN, OK 73070 | 5STAR LIFE INSURANCE COMPANY | $9 | $0 | $9 | 2.16% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 431 | $308K |
| Vision | AMERITAS LIFE INSURANCE CORP | 807 | $59K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $96K |
| Long-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $171K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 402 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.