| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF OKLAHOMA | $41K | — | $41K | 3.16% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1031 CHUCK DAWLEY BOULEVARD SUITE 5 MT PLEASANT, SC 29464 | BLUECROSS BLUESHIELD OF OKLAHOMA | $30K | — | $30K | 2.31% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 101 PEMBROKE PINES, FL 33027 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.13% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | $680 | — | $680 | 2.73% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 7136 SOUTH YALE AVENUE SUITE 30030031 TULSA, OK 74136 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $507 | $507 | 2.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $118 | $118 | 0.47% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.49% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1031 CHUCK DAWLEY BOULEVARD SUITE 5 MT. PLEASANT, SC 29464 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.17% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 315 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 315 | $1.3M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 322 | $25K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 242 | $20K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 242 | $20K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 315 | $1.3M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 242 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.