| 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 | $55K | $665 | $55K | 4.04% |
| 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 | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.94% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS | PO BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.53% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.83% |
| JERRY D EDWARDS3 | 3240 WEST BRITTON ROAD SUITE 202 OKLAHOMA CITY, OK 73120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | $0 | $337 | 1.27% |
| THE BRAMLETT AGENCY INC3 | 1505 N COMMERCE SUITE 104 ARDMORE, OK 73401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.25% |
| LOREN LEE THETFORD3 | PO BOX 7276 WOODLAND PARK, CO 80863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 218 | $1.4M |
| Dental | DELTA DENTAL | 134 | $132K |
| Vision | VISION SERVICE PLAN | 122 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $77K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.