| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP, INC. Filed as: HEALTHCARE SOLUTIONS GROUP | 325 NORTH MAIN MUSKOGEE, OK 74401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.70% |
| HEALTHCARE SOLUTIONS GROUP, INC.3 Filed as: HEALTHCARE SOLUTIONS GROUP | 325 NORTH MAIN MUSKOGEE, OK 74401 | OPTUM HEALTH CARE SOLUTIONS | $873 | — | $873 | 5.23% |
| KEVIN S. RIBERA3 | 3101 BLADES CIR DURANT, OK 74701 | AFLAC | $33 | $3K | $3K | — |
| REBECCA K BOXFORD3 Filed as: REBECCA BOXFORD | 5205 DUSTY LANE GRANITE FALLS, NC 28630 | AFLAC | $1K | $92 | $1K | — |
| JOSHUA WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $947 | $16 | $963 | — |
| TIMOTHY W. WORTHY3 | 2929 W. MAIN STREET DURANT, OK 74701 | AFLAC | $673 | $13 | $686 | — |
| CHAVA V. REID3 | PO BOX 334 ARDENVOIR, WA 98811 | AFLAC | $528 | $51 | $579 | — |
| CHAVA V. REID3 | 1308 NORTHSHORE DRIVE BELLINGHAM, WA 98226 | AFLAC | $332 | $0 | $332 | — |
| EVAN ELDRIDGE3 | 3202 W. UNIVERSITY BLVD DURANT, OK 74701 | AFLAC | $174 | $0 | $174 | — |
| MICHAEL A MAYER3 Filed as: MICHAEL A. MAYER | PO BOX 5625 PASCO, WA 99302 | AFLAC | $135 | $10 | $145 | — |
| GERALD INGRAHAM3 | 6 S 2ND STRETT STE 718 YAKIMA, WA 98901 | AFLAC | $123 | $0 | $123 | — |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $121 | $0 | $121 | — |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A. WILLIAMS COMPANY | 20316 N. COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $89 | $0 | $89 | — |
| LOYTALIA RIBERA3 | 3101 BLADES CIRCLE DURANT, OK 74701 | AFLAC | $87 | $0 | $87 | — |
| DALE YOUNG3 | 1350 S. BOULDER AVENUE SUITE 300 TULSA, OK 74119 | AFLAC | $81 | $0 | $81 | — |
| TRICIA CHARLES3 | 615 S. 48TH AVENUE SUITE B YAKIMA, WA 98908 | AFLAC | $69 | $10 | $79 | — |
| TERESA L SELLS3 | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $44 | $15 | $59 | — |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, KS 74883 | AFLAC | $43 | $0 | $43 | — |
| CLINT HARDISON3 | PO BOX 480 ATOKA, OK 74525 | AFLAC | $41 | $0 | $41 | — |
| RICHARD L. HARWOOD AND OTHER AGENTS3 Filed as: RICHARD L HARDWOOD | PO BOX 333 HUDSON, NC 28638 | AFLAC | $36 | $0 | $36 | — |
| AIMIE ELLEN SHERIFF3 | 9588 TEXOMA PARK ROAD KINGSTON, OK 73439 | AFLAC | $20 | $13 | $33 | — |
| PAMELA BRICKER3 | 5530 WOODSPRING DR WINSTON SALEM, NC 27106 | AFLAC | $32 | $0 | $32 | — |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S. BOULDER AVENUE TULSA, OK 74119 | AFLAC | $21 | $0 | $21 | — |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $20 | $0 | $20 | — |
| JCP GROUP INC3 Filed as: JCP GROUP INC. | 4693 PEBBLE LAKE DRIVE PFAFFTOWN, NC 27040 | AFLAC | $17 | $0 | $17 | — |
| TRICIA CHARLES3 | 660 SW 39TH STREET SUITE 205 RENTON, WA 98057 | AFLAC | $16 | $0 | $16 | — |
| PAUL B BROUCHOUD Filed as: PAUL BROUCHOUD | 604 MARK DRIVE DELCITY, OK 73115 | AFLAC | $15 | $0 | $15 | — |
| SHANE M OWEN Filed as: SHANE OWEN | 3000 FOUNDERS BLVD SUITE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $14 | $0 | $14 | — |
| MICHAEL T. PETERSON Filed as: MICHAEL PETERSON | PO BOX 3 MOXEE, WA 98936 | AFLAC | $13 | — | $13 | — |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHWEST LLC | 415 N. 2ND STREET SUITE A YAKIMA, WA 98901 | AFLAC | $13 | $0 | $13 | — |
| JOSHUA C ROLAN Filed as: JOSHUA ROLAN | 704 SEMINOLE DRIVE PAULS VALLEY, OK 73075 | AFLAC | $13 | $0 | $13 | — |
| C HARVEY KING | 931 S. MAIN STREET SUITE B 206 KERNERSVILLE, NC 27284 | AFLAC | $12 | — | $12 | — |
| MELISSA PAUL | PO BOX 8010 YAKIMA, WA 98908 | AFLAC | $11 | — | $11 | — |
| LINDA F CRAIG | 1374 UPLAND DRIVE SUNNYSIDE, WA 98944 | AFLAC | $10 | — | $10 | — |
| BRIAN W. BALMES Filed as: BRIAN BALMES | 302 S. 1ST STREET YAKIMA, WA 98901 | AFLAC | $10 | — | $10 | — |
| SEAN F HARRINGTON Filed as: SEAN F. HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $9 | — | $9 | — |
| LARRY W NICHOLSON Filed as: LARRY NICHOLSON | 861 N. AUBURNDALE STREET MEMPHIS, TN 38107 | AFLAC | $9 | — | $9 | — |
| J MICHAEL BUTLER Filed as: MICHAEL BUTLER | 1440 OLDLENOIRROAD SUITE A HICKORY, NC 28601 | AFLAC | $7 | — | $7 | — |
| JOHN A WILLIAMS COMPANY INC Filed as: JOHN A WILLIAMS | 20316 N. COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $5 | — | $5 | — |
| C HARVEY KING | 931 B. SOUTH MAIN STREET 206 KERNERSVILLE, NC 27284 | AFLAC | $3 | — | $3 | — |
| KELLY LEBSACK Filed as: KELLY D. LEBSACK | 826 NORTH ELM STREET GREENSBORO, NC 27401 | AFLAC | $3 | — | $3 | — |
| KATRINA D AIKEN Filed as: KATRINA AIKEN | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | — |
| DEBORAH A WITHEY Filed as: DEBORAH WITHEY | 2149 6TH STREET NW HICKORY, NC 28601 | AFLAC | $2 | — | $2 | — |
| MEGHAN MOFFATT LUCAS Filed as: MEGHAN M. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | — |
| ERIC BROGAN Filed as: ERIC E. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | — |
| KRISTEN SUE PLAISANCE | 11315 E. 12TH AVENUE SPOKANE VALLEY, WA 99206 | AFLAC | $1 | — | $1 | — |
| CLIFF HARRISON BARROWS | 5716 S. FERRALL STREET SPOKANE, WA 99223 | AFLAC | $1 | — | $1 | — |
| DIXIE D SIMON Filed as: DIXIE D. SIMON | 509 N. SHAMROCK ROAD SPOKANE, WA 99223 | AFLAC | $1 | — | $1 | — |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $160K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $160K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $160K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $160K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.