| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY W PUGH3 Filed as: KELLY WAYNE PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | BLUECROSS BLUESHIELD OF OKLAHOMA | $9K | $0 | $9K | 5.05% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | DELTA DENTAL OF OKLAHOMA | $2K | $0 | $2K | 4.84% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | DELTA DENTAL OF OKLAHOMA | $574 | $0 | $574 | 1.16% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 13.45% |
| KELLY W PUGH3 Filed as: KELLY WAYNE PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $822 | $0 | $822 | 1.89% |
| ADRIANA MARTINEZ3 | 3730 SOUTH 125TH EAST AVENUE TULSA, OK 74146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $0 | $354 | 0.81% |
| VIRGINIA A HAFFENER3 Filed as: VIRGINIA A. HAFFENER | 2205 WEST EIGHTH STREET COFFEYVILLE, KS 67337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.11% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $5 | $41 | 0.09% |
| ROBERT W ALLEN3 Filed as: ROBERT W. ALLEN | 102 FLOYD BURNS ROAD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MJ INSURANCE3 Filed as: KELLY JACKS AND VARIOUS AGENTS | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | VISION SERVICE PLAN | $797 | $0 | $797 | 3.05% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | VISION SERVICE PLAN | $506 | $0 | $506 | 1.94% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.89% |
| VANGUARD BENEFITS GROUP, LLC3 | 3325 FRENCH PARK DRIVE, SUITE 1 EDMOND, OK 73034 | LEADERS LIFE INSURANCE COMPANY | $18 | $0 | $18 | 1.10% |
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 | 612 | 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) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 30 | $173K |
| Dental | DELTA DENTAL OF OKLAHOMA | 228 | $49K |
| Vision | VISION SERVICE PLAN | 232 | $26K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 612 | $22K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 612 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.