| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $68K | $1K | $69K | 5.09% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| KEVIN S. RIBERA3 Filed as: KEVIN S RIBERA | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $8K | $155 | $8K | 14.91% |
| AIMIE ELLEN SHERIFF3 | 9588 TEXOMA PARK RD KINGSTON, OK 73439 | AFLAC | $3K | $25 | $3K | 4.70% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 3700 N CLASSEN BLVD STE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $2K | $62 | $2K | 3.30% |
| JESICA GRAHAM3 | 3645 FROST LN DURANT, OK 74701 | AFLAC | $1K | $0 | $1K | 2.19% |
| LOYTALIA RIBERA3 Filed as: LOYTALIA E RIBERA | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $442 | $121 | $563 | 1.00% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $400 | $0 | $400 | 0.71% |
| JOHN A WILLIAMS COMPANY INC3 | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $140 | $0 | $140 | 0.25% |
| CHARLES LARUE3 | 9226 COLUMBIA ST SAPULPA, OK 74066 | AFLAC | $59 | $0 | $59 | 0.10% |
| LARRY D DENNY3 | PO BOX 306 WETUMPKA, OK 74883 | AFLAC | $53 | $0 | $53 | 0.09% |
| DAVID E. ESTEP3 Filed as: DAVID E ESTEP | PO BOX 1017 HUGO, OK 74743 | AFLAC | $30 | $0 | $30 | 0.05% |
| HAL W MOFFATT3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $23 | $0 | $23 | 0.04% |
| DAVID GORDON WALKER3 | 6515 N KINGS HWY TEXARKANA, TX 75503 | AFLAC | $19 | $0 | $19 | 0.03% |
| CARL WILLIAM SILLIMAN3 | 5412 ROCKY CREEK RD TEXARKANA, AR 71854 | AFLAC | $17 | $0 | $17 | 0.03% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCHARD, OK 73010 | AFLAC | $12 | $3 | $15 | 0.03% |
| CHRISTOPHER ALAN HOOD SR3 | 160 COUNTY RD 4553 WINNSBORO, TX 75494 | AFLAC | $13 | $0 | $13 | 0.02% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $8 | $0 | $8 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $3 | $0 | $3 | 0.01% |
| DESTINY LARUE3 | 9226 COLUMBIA ST SAPULPA, OK 74066 | AFLAC | $2 | $0 | $2 | 0.00% |
| CAROLYN J LEE3 | 1412 MAIN ST STE 504 TEXARKANA, TX 75501 | AFLAC | $1 | $0 | $1 | 0.00% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| KEVIN S. RIBERA3 Filed as: KEVIN RIBERA | 2929 W MAIN ST DURANT, OK 74701 | LEADERS LIFE INSURANCE COMPANY | $7K | — | $7K | 61.94% |
| JAMES D GRACE3 Filed as: JAMES GRACE | 4401 HIGHLAND HILLS DR NORMAN, OK 73026 | LEADERS LIFE INSURANCE COMPANY | $1K | — | $1K | 8.85% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | VISION SERVICE PLAN | $753 | — | $753 | 7.51% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 211 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $61K |
| Vision | VISION SERVICE PLAN | 39 | $10K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $48K |
| Short-term disability | AFLAC | 67 | $56K |
| Other | AFLAC | 67 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.