| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $5K | $73K | 4.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4711 GALLARDIA SUITE 300 OKLAHOMA CITY, OK 73142 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 6.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $464 | $10K | 15.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $306 | $6K | 15.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.95% |
| KELLY A JONES3 | 9052 E 29TH STREET TULSA, OK 74129 | AFLAC | $2K | $25 | $2K | 8.50% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 2232 SE WASHINGTON BLVD STE 202 BARTLESVILLE, OK 74006 | AFLAC | $542 | $0 | $542 | 3.00% |
| COREY MACINTYRE3 | 4408 W INDIANOLA ST BROKEN ARROW, OK 74012 | AFLAC | $144 | $5 | $149 | 0.82% |
| JOHN ROBERT DE LARIOS3 | 4306 W TOLEDO CT BROKEN ARROW, OK 74012 | AFLAC | $141 | $0 | $141 | 0.78% |
| TRAVIS D HURT3 | 18446 154TH EAST AVE BIXBY, OK 74008 | AFLAC | $107 | $5 | $112 | 0.62% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $111 | $0 | $111 | 0.61% |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $77 | $0 | $77 | 0.43% |
| MICHAEL ARTHUR KIRK3 | 9726 E 42ND ST STE 201 TULSA, OK 74146 | AFLAC | $15 | $0 | $15 | 0.08% |
| TIMOTHY M CAMPBELL3 | 9820 S 92ND EAST AVE TULSA, OK 74133 | AFLAC | $12 | $0 | $12 | 0.07% |
| KELLI R CAROTHERS3 Filed as: KELLI R CAROTHERES | 7310 E 76TH ST TULSA, OK 74133 | AFLAC | $12 | $0 | $12 | 0.07% |
| ALAN D PARKER3 | 5107 E 86TH ST TULSA, OK 74137 | AFLAC | $9 | $0 | $9 | 0.05% |
| DAVID L DEARDORFF3 | 9083 E 138TH ST S BIXBY, OK 74008 | AFLAC | $5 | $0 | $5 | 0.03% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $2 | $0 | $2 | 0.01% |
| NOEL MALAN3 | 11655 S 75TH EAST AVE BIXBY, OK 74008 | AFLAC | $2 | $0 | $2 | 0.01% |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $1 | $0 | $1 | 0.01% |
| EDWARD A HALL JR3 | 15 VILLAGE PARK DR NEWNAN, GA 30265 | AFLAC | $1 | $0 | $1 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4811 GARILLARDIA PKWY #300 OKLAHOMA CITY, OK 73142 | 5STAR LIFE INSURANCE COMPANY | $410 | $0 | $410 | 4.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES ORGANIZATION | 1350 S. BOULDER AVE. STE 1000 TULSA, OK 74119 | 5STAR LIFE INSURANCE COMPANY | $177 | $0 | $177 | 1.78% |
| ADVANCE BENEFIT SYSTEMS INC.3 Filed as: ADVANCE BENEFIT SYSTEMS | 2232 SE WASHINGTON BLVD. #202 BARTLESVILLE, OK 74006 | 5STAR LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.78% |
| BANCFIRST INS SERVICES INC3 Filed as: BANCFIRST INS. SERVICES, INC. | 5591 SOUTH LEWIS TULSA, OK 74105 | FEDERAL INSURANCE COMPANY | $879 | $0 | $879 | 15.00% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.6M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $152K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $152K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $63K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.