| 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 | $56K | — | $56K | 5.56% |
| OKLAHOMA BUSINESS INS AGENCY3 | 5909 NW EXPRESSWAY STE 375 OKLAHOMA CITY, OK 731325155 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.08% |
| OKLAHOMA BUSINESS INS AGENCY3 Filed as: OKLAHOMA BUSINESS INSURORS | 5909 NW EXPRESSWAY STE 375 OKLAHOMA CITY, OK 731325155 | VISION SERVICE PLAN | $1K | — | $1K | 8.46% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $176 | — | $176 | 1.28% |
| OKLAHOMA BUSINESS INS AGENCY3 | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | AFLAC | $1K | — | $1K | 13.49% |
| RICHARD C. DEFALCO3 Filed as: RICHARD C DEFALCO | 4704 CRYSTAL LAKE RD NORMAN, OK 73072 | AFLAC | $855 | $33 | $888 | 8.21% |
| CYNTHIA A. HAWKINSON3 Filed as: CYNTHIA A HAWKINSON | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $391 | — | $391 | 3.62% |
| TERRA D WOOD3 | 300 TECUMSEH RIDGE RD NORMAN, OK 73069 | AFLAC | $281 | $8 | $289 | 2.67% |
| MARK EDWIN SCHMITZ3 | 1512 W TRENTON ST BROKEN ARROW, OK 74012 | AFLAC | $105 | — | $105 | 0.97% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCHARD, OK 73010 | AFLAC | $77 | $8 | $85 | 0.79% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $75 | $0 | $75 | 0.69% |
| JOHN N KARR3 | 907 S DETROIT AVE STE 905 TULSA, OK 74120 | AFLAC | $57 | — | $57 | 0.53% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OKLAHOMA | 149 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OKLAHOMA | 149 | $1.0M |
| Vision | VISION SERVICE PLAN | 99 | $14K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 133 | $68K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 133 | $68K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 133 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OKLAHOMA | 149 | $1.0M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 133 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.