| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | BLUECROSS BLUESHIELD OF OKLAHOMA | $57K | $726 | $58K | 5.06% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | BLUECROSS BLUESHIELD OF OKLAHOMA | $10K | $0 | $10K | 5.00% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | DELTA DENTAL OF OKLAHOMA | $6K | $0 | $6K | 6.00% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.16% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $277 | $0 | $277 | 0.55% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| AGM BENEFITS3 | UNKNOWN SALLISAW, OK 74955 | COMBINED INSURANCE | $13K | $0 | $13K | 47.30% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | COMBINED INSURANCE | $7K | $0 | $7K | 25.47% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF OKLAHOMA | 31 | $1.4M |
| Dental | DELTA DENTAL OF OKLAHOMA | 212 | $108K |
| Vision | VISION SERVICE PLAN | 207 | $50K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 579 | $72K |
| Short-term disability | COMBINED INSURANCE | 55 | $27K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF OKLAHOMA | 31 | $1.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 579 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.