| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OKLAHOMA | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 3.82% |
| MASCHINO HUDELSON & ASSOCIATES3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OKLAHOMA | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 12.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OKLAHOMA | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 9.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $506 | $0 | $506 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $128 | $131 | $259 | 0.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OKLAHOMA | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $816 | $0 | $816 | 5.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $81 | $0 | $81 | 0.57% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $883K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $55K |
| Vision | VISION SERVICE PLAN | 117 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 191 | $64K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 191 | $64K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 191 | $64K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $883K |
| Other | HARTFORD LIFE AND ACCIDENT | 191 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.