| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RMJP EQUITY INC3 | 13439 BRAODWAY EXT SUITE 110 OKLAHOMA CITY, OK 73114 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $27K | — | $27K | 3.85% |
| RMJP EQUITY INC3 Filed as: RMJP EQUITY INC DBA FRATES BENEFIT | 13439 BRAODWAY EXT SUITE 110 OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $2K | $3K | $5K | 13.74% |
| RMJP EQUITY INC3 Filed as: RMJP EQUITY INC, DBA FRATES | 13439 BRAODWAY EXT SUITE 110 OKLAHOMA CITY, OK 73114 | UNUM LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 9.66% |
| RMJP EQUITY INC3 | 13439 BRAODWAY EXT SUITE 110 OKLAHOMA CITY, OK 731142252 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $342 | — | $342 | 3.78% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 144 | $689K |
| Dental | DELTA DENTAL | 65 | $36K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 132 | $9K |
| Short-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 72 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.