| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHMENT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $880K | $299K | $1.2M | 78.92% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS PA | 169A LAMEUSE ST BILOXI, MS 395303810 | AMERITAS LIFE INSURANCE CORP. | $146K | — | $146K | 15.00% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | 100 PARK AVENUE, SUITE 700 OKLAHOMA CITY, OK 73102 | VISION SERVICE PLAN | $39K | — | $39K | 6.64% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE., SUITE 700 OKLAHOMA CITY, OK 73130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 9.94% |
| PREMIER SOURCE LLC3 | 211 N. ROBINSON AVE., SUITE 1250 OKLAHOMA CITY, OK 73102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | — | $280 | 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 | 6,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,125 | $973K |
| Vision | VISION SERVICE PLAN | 5,123 | $587K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,596 | $4.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,596 | $3.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,596 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,596 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.