| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN INSURANCE AGENCY Filed as: NORTH AMERICAN INSURANCE GROUP | PO BOX 25928 OKLAHOMA CITY, OK 73125 | AETNA LIFE INSURANCE CO | $3K | $14K | $17K | 0.87% |
| INSURICA, INC. Filed as: INSURICA INC | PO BOX 25928 OKLAHOMA CITY, OK 73125 | AETNA LIFE INSURANCE CO | $249 | — | $249 | 0.01% |
| INSURICA, INC. Filed as: INSURICA INC | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | DELTA DENTAL | $10K | $11K | $21K | 12.80% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 293 | $2.0M |
| Dental | DELTA DENTAL | 260 | $163K |
| Life insurance | AETNA LIFE INSURANCE CO | 293 | $2.0M |
| Other | AETNA LIFE INSURANCE CO | 293 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.