| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | HEALTH CARE SERVICE CORPORATION | $41K | $0 | $41K | 3.24% |
| BAINS/WEST BENEFITS, INC.3 Filed as: BAINS/WEST BENEFITS INC | PO BOX 460 BLACKWELL, OK 74631 | HEALTH CARE SERVICE CORPORATION | $9K | $0 | $9K | 0.68% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73402 | DELTA DENTAL | $5K | $0 | $5K | 6.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1120 GARRISON AVE FORT SMITH, AR 72901 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.97% |
| BAINSWEST BENEFITS INC3 | PO BOX 460 BLACKWELL, OK 74631 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.91% |
| BAINS/WEST BENEFITS, INC.3 Filed as: BAINS/WEST BENEFITS | PO BOX 460 BLACKWELL, OK 746310460 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.20% |
| JERRY D EDWARDS3 | 3240 WEST BRITTON ROAD SUITE 202 OKLAHOMA CITY, OK 73120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.85% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $592 | $0 | $592 | 9.43% |
| THE BRAMLETT AGENCY INC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | $0 | $217 | 3.46% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | $0 | $70 | 1.12% |
| RAY THIELEN & ASSOCIATES INC3 | 4949 NORTH 26TH STREET #C LINCOLN, NE 68521 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.32% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 197 | $1.3M |
| Dental | DELTA DENTAL | 109 | $89K |
| Vision | VISION SERVICE PLAN | 113 | $23K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 146 | $59K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 146 | $59K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 146 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.