| 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 | $6K | $63K | $69K | 4.97% |
| MASCHINO HUDELSON & ASSOCIATES3 Filed as: MASCHINO HUDLSON & ASSOCIATES | 4811 GAILLARDIA PKWY STE 300 OKLAMHOMA CITY, OK 731421858 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $8K | $0 | $8K | 6.00% |
| 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 | $10K | $485 | $10K | 17.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.27% |
| KELLY A JONES3 | 9052 E 29TH STREET TULSA, OK 74129 | AFLAC | — | — | $0 | — |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 2232 SE WASHINGTON BLVD STE 202 BARTLESVILLE, OK 74006 | AFLAC | — | — | $0 | — |
| COREY MACINTYRE3 | 4408 W INDIANOLA ST BROKEN ARROW, OK 74012 | AFLAC | — | — | $0 | — |
| JOHN ROBERT DE LARIOS3 | 4306 W TOLEDO CT BROKEN ARROW, OK 74012 | AFLAC | — | — | $0 | — |
| TRAVIS D HURT3 | 18446 154TH EAST AVE BIXBY, OK 74008 | AFLAC | — | — | $0 | — |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | — | — | $0 | — |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | — | — | $0 | — |
| MICHAEL ARTHUR KIRK3 | 9726 E 42ND ST STE 201 TULSA, OK 74146 | AFLAC | — | — | $0 | — |
| TIMOTHY M CAMPBELL3 | 9820 S 92ND EAST AVE TULSA, OK 74133 | AFLAC | — | — | $0 | — |
| KELLI R CAROTHERS3 Filed as: KELLI R CAROTHERES | 7310 E 76TH ST TULSA, OK 74133 | AFLAC | — | — | $0 | — |
| ALAN D PARKER3 | 5107 E 86TH ST TULSA, OK 74137 | AFLAC | — | — | $0 | — |
| DAVID L DEARDORFF3 | 9083 E 138TH ST S BIXBY, OK 74008 | AFLAC | — | — | $0 | — |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | — | — | $0 | — |
| NOEL MALAN3 | 11655 S 75TH EAST AVE BIXBY, OK 74008 | AFLAC | — | — | $0 | — |
| JARRELL K PRENTICE3 | 1113 EAST DR EDMOND, OK 73034 | AFLAC | — | — | $0 | — |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | — | — | $0 | — |
| EDWARD A HALL JR3 | 15 VILLAGE PARK DR NEWNAN, GA 30265 | AFLAC | — | — | $0 | — |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 105 | $135K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 89 | $22K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $0 |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $59K |
| Other(4 contracts, 4 carriers) | FEDERAL INSURANCE COMPANY | 105 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.