| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | COMMUNITYCARE HMO | $15K | $0 | $15K | 5.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | COMMUNITYCARE HMO | $15K | $0 | $15K | 5.62% |
| SHEREE L. AMOS3 | 4521 HILLSIDE LANE EDMOND, OK 73025 | AFLAC | $5K | $216 | $5K | 8.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | AFLAC | $2K | $0 | $2K | 3.60% |
| BOBBY R STEWART3 Filed as: BOBBY R. STEWART | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | AFLAC | $1K | $106 | $2K | 2.56% |
| SHEREE L. AMOS3 | 13937 TECHNOLOGY DRIVE, SUITE B OKLAHOMA CITY, OK 73134 | AFLAC | $1K | $292 | $1K | 2.13% |
| MJ INSURANCE3 Filed as: ROJELIO SALAZAR AND VARIOUS AGENTS | 1102 SWAN LAKE ROAD EDMOND, OK 73003 | AFLAC | $829 | $0 | $829 | 1.36% |
| CANDACE MAE SECONDI3 | PO BOX 68 GUTHRIE, OK 73044 | AFLAC | $512 | $54 | $566 | 0.93% |
| MJ INSURANCE3 Filed as: C WAYNE CALLAHAN AND VARIOUS AGENTS | PO BOX 721353 OKLAHOMA CITY, OK 73172 | AFLAC | $489 | $35 | $524 | 0.86% |
| ROJELIO EDUARDO SALAZAR3 | 1102 SWAN LAKE ROAD EDMOND, OK 73003 | AFLAC | $362 | $0 | $362 | 0.59% |
| TIMOTHY M CAMPBELL3 Filed as: TIMOTHY M. CAMPBELL | 9820 SOUTH 92ND EAST AVENUE TULSA, OK 74133 | AFLAC | $311 | $0 | $311 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $45 | $3K | 7.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 10151 DEERWOOD PARK BOULEVARD SUITE 100 JACKSONVILLE, FL 32256 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $256 | $0 | $256 | 0.98% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $34 | $34 | 0.13% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COMMUNITYCARE HMO | 51 | $557K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $45K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $45K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 75 | $26K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 75 | $26K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 75 | $26K |
| Prescription drug(2 contracts) | COMMUNITYCARE HMO | 51 | $557K |
| Other(2 contracts, 2 carriers) | AFLAC | 75 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.