| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINTE INSURANCE ADVISORS LLC3 | 1505 N COMMERCE STE 104 ARDMORE, OK 73402 | DELTA DENTAL | $9K | $0 | $9K | 6.00% |
| CROSS POINT INS ADVISORS LLC3 | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.18% |
| CROSS POINT INS ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.35% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS | PO BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.33% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 56.99% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INS ADVISORS LLC | PO BOX 1747 FORT SMITH, AR 72902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$6 | $0 | -$6 | -1.61% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 137 | $149K |
| Vision | VISION SERVICE PLAN | 129 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $85K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.