| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3856 S BLVD STE 100 EDMOND, OK 73013 | COMPANION LIFE | $44K | — | $44K | 11.77% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 | P.O. BOX 1309 MUSKOGEE, OK 74402 | COMPANION LIFE | $22K | — | $22K | 5.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3856 S BOULEVARD STE 100 OKLAHOMA CITY, OK 73013 | UNION SECURITY INSURANCE COMPANY | $14K | $5K | $19K | 20.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3856 S BOULEVARD STE 100 EDMOND, OK 73013 | UNION SECURITY INSURANCE COMPANY | $11K | $4K | $15K | 20.27% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 | P.O. BOX 1309 MUSKOGEE, OK 74402 | COMPANION LIFE | $1K | — | $1K | 24.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP EIN 73-1478844 PLAN SUPERVISOR | Claims processing Service code 12 | — | $77K |
| PHX EIN 86-1040704 PPO NETWORK | Claims processing Service code 12 | — | $14K |
| HSG CONSOLIDATED EIN 73-1478844 UTILIZATION REVIEW SERVIC | Claims processing Service code 12 | — | $6K |
| PREFERRED COMMUNITY CHOICE EIN 73-1451360 PPO NETWORK | Claims processing Service code 12 | — | $81 |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 225 | $377K |
| Dental | COMPANION LIFE | 225 | $377K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 224 | $77K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 153 | $95K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 153 | $95K |
| Other | UNION SECURITY INSURANCE COMPANY | 131 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.