| 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 | $32K | — | $32K | 3.62% |
| MASCHINO HUDELSON & ASSOCIATES | 4811 GAILLARDIA PKWY STE. 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| NFP INSURANCE SERVICES INC0 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY STE. 300 OKLAHOMA CITY, OK 73142 | METLIFE | $3K | $12 | $3K | 4.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S. CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | METLIFE | $504 | $12 | $516 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE. 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 20.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $322 | — | $322 | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD. STE. 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $173 | $173 | 0.99% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73132 | VSP | $901 | — | $901 | 6.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 4811 GAILLARDIA PKWY STE. 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 14.99% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 198 | $882K |
| Dental | METLIFE | 244 | $57K |
| Vision | VSP | 133 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 205 | $22K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 72 | $17K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 21 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.