| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $11K | $0 | $11K | 6.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $986 | $21K | 23.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.76% |
| KELLY A JONES3 Filed as: KELLY A JONES MORRIS | 1512 MELMART DRIVE BARTLESVILLE, OK 74006 | AFLAC | $1K | $122 | $1K | 8.53% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 2232 SOUTHEAST WASHINGTON BOULEVARD SUITE 202 BARTLESVILLE, OK 74006 | AFLAC | $374 | $0 | $374 | 2.34% |
| COREY MACINTYRE3 | 4334 SOUTH 173RD EAST AVENUE TULSA, OK 74134 | AFLAC | $233 | $24 | $257 | 1.61% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $148 | $24 | $172 | 1.07% |
| MJ INSURANCE3 Filed as: DARREN R WARREN AND VARIOUS AGENTS | 13504 NORTH 2320 ROAD GOTEBO, OK 73041 | AFLAC | $122 | $0 | $122 | 0.76% |
| JOHN ROBERT DE LARIOS3 | 119 TAMARACK COVE HOLLY LAKE RANCH, TX 75765 | AFLAC | $92 | $0 | $92 | 0.57% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $71 | $0 | $71 | 0.44% |
| THE HOLMES ORGANISATION3 Filed as: HOLMES ORGANISATION INC. | 1350 SOUTH BOULDER AVENUE SUITE 100 TULSA, OK 74119 | 5 STAR LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.94% |
| ADVANCE BENEFIT SYSTEMS INC.3 | 2232 SOUTHEAST WASHINGTON BOULEVARD BARTLESVILLE, OK 74006 | 5 STAR LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | 5 STAR LIFE INSURANCE COMPANY | $4 | $0 | $4 | 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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 116 | $179K |
| Vision | VISION SERVICE PLAN | 99 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $96K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $90K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.