| 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 | $49K | $0 | $49K | 4.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73402 | DELTA DENTAL | $6K | $0 | $6K | 6.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1120 GARRISON AVE FORT SMITH, AR 72901 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.92% |
| BAINS/WEST BENEFITS, INC.3 Filed as: BAINS/WEST BENEFITS | PO BOX 460 BLACKWELL, OK 746310460 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.87% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.03% |
| JERRY D EDWARDS3 | 3240 WEST BRITTON ROAD SUITE 202 OKLAHOMA CITY, OK 73120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.01% |
| THE BRAMLETT AGENCY INC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | $0 | $185 | 1.03% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | $0 | $57 | 0.32% |
| RAY THIELEN & ASSOCIATES INC3 | 4949 NORTH 26TH STREET #C LINCOLN, NE 68521 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.12% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 209 | $1.2M |
| Dental | DELTA DENTAL | 108 | $104K |
| Vision | VISION SERVICE PLAN | 115 | $27K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 162 | $64K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 162 | $64K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 162 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.