| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | — | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $50K | $615 | $50K | 4.05% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73402 | DELTA DENTAL | $7K | $0 | $7K | 6.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1120 GARRISON AVE FORT SMITH, AR 72901 | DEARBORN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.91% |
| BAINS/WEST BENEFITS, INC.3 | PO BOX 460 BLACKWELL, OK 74631 | VISION SERVICE PLAN | $881 | $0 | $881 | 2.77% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS | PO BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $537 | $0 | $537 | 1.69% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.29% |
| JERRY D EDWARDS3 | 3240 WEST BRITTON ROAD SUITE 202 OKLAHOMA CITY, OK 73120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $498 | $0 | $498 | 2.58% |
| THE BRAMLETT AGENCY INC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.35% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.13% |
| MITCHELL LAWRENCE HAPP3 | 747 O ST UNIT 100 LINCOLN, NE 68508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.11% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 224 | $1.2M |
| Dental | DELTA DENTAL | 128 | $120K |
| Vision | VISION SERVICE PLAN | 109 | $32K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 180 | $62K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 180 | $62K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 180 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.