| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROL MCLARRY BAILEY0 | 3825 TRAIL VIEW DR CARROLTON, TX 75007 | BLUE CROSS BLUE SHIELD OF OKLAHOMA / HEALTH SERVICE CORPORATION | — | $6K | $6K | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF OKLAHOMA EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $87K |
| HUB INTERNATIONAL EIN 73-0990126 INSURANCE AGENT / BROKER | Consulting fees; Insurance agents and brokers Service code 22 | — | $45K |
| NATIONAL EMPLOYEE ASSISTANCE PROVID EIN 11-3533680 THIRD PARTY EAP | Direct payment from the plan; Other services Service code 49 | 490 WHEELER RD SUITE 102 HAUPPAUGE, NY 11788 | $8K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 236 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY CANADA | 277 | $172K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY CANADA | 277 | $61K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA / HEALTH SERVICE CORPORATION | 481 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.