| 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 | $51K | $675 | $52K | 4.06% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73402 | DELTA DENTAL | $8K | $0 | $8K | 6.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1120 GARRISON AVE FORT SMITH, AR 72901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS | PO BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.42% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1120 GARRISON AVE FORT SMITH, AR 72901 | DEARBORN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.92% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 23.31% |
| JERRY D EDWARDS3 | 3240 WEST BRITTON ROAD SUITE 202 OKLAHOMA CITY, OK 73120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | $0 | $406 | 1.59% |
| THE BRAMLETT AGENCY INC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.26% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
| MITCHELL LAWRENCE HAPP3 | 747 O ST UNIT 100 LINCOLN, NE 68508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
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). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 235 | $1.3M |
| Dental | DELTA DENTAL | 138 | $134K |
| Vision | VISION SERVICE PLAN | 131 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $73K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $73K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.