| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OKLAHOMA BUSINESS INS AGENCY3 | 5909 NW EXPRESSWAY STE 375 OKLAHOMA CITY, OK 731325155 | BLUE CROSS BLUE SHIELD OKLAHOMA | $45K | — | $45K | 4.91% |
| OKLAHOMA BUSINESS INS AGENCY3 | 5909 NW EXPRESSWAY STE 375 OKLAHOMA CITY, OK 731325155 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 15.03% |
| OKLAHOMA BUSINESS INS AGENCY3 Filed as: OKLAHOMA BUSINESS INSURORS | 5909 NW EXPRESSWAY STE 375 OKLAHOMA CITY, OK 731325155 | VISION SERVICE PLAN | $821 | — | $821 | 6.92% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $51 | — | $51 | 0.43% |
| RICHARD C. DEFALCO3 Filed as: RICHARD C DEFALCO | 4704 CRYSTAL LAKE RD NORMAN, OK 73072 | AFLAC | $539 | $24 | $563 | 8.31% |
| TERRA D WOOD3 | 300 TECUMSEH RIDGE RD NORMAN, OK 73069 | AFLAC | $234 | $5 | $239 | 3.53% |
| OKLAHOMA BUSINESS INS AGENCY3 | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | AFLAC | $181 | — | $181 | 2.67% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $93 | $5 | $98 | 1.45% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCHARD, OK 73010 | AFLAC | $55 | — | $55 | 0.81% |
| JAMES MICHAEL WILLIAMS3 | 235 CHELSEA WAY SULPHER, OK 73086 | AFLAC | $7 | — | $7 | 0.10% |
| KIMBERLY K WILLIAMS3 | 525 BROOKSIDE TER MOORE, OK 73160 | AFLAC | $7 | — | $7 | 0.10% |
| JON ASHLEY BAKER3 | 1015 S MORGAN RD MUSTANG, OK 73064 | AFLAC | $3 | — | $3 | 0.04% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $3 | — | $3 | 0.04% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OKLAHOMA | 142 | $919K |
| Dental | BLUE CROSS BLUE SHIELD OKLAHOMA | 142 | $919K |
| Vision | VISION SERVICE PLAN | 87 | $12K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 135 | $60K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 135 | $60K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 135 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OKLAHOMA | 142 | $919K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 135 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.