| 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 | $58K | $7K | $65K | 5.63% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 10.47% |
| KELLY W PUGH3 Filed as: KELLY WAYNE PUGH | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $25 | $2K | 1.50% |
| ADRIANA MARTINEZ3 | 3730 SOUTH 125TH EAST AVENUE TULSA, OK 74146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | $0 | $663 | 0.44% |
| VIRGINIA A HAFFENER3 Filed as: VIRGINIA A. HAFFENER | 2205 WEST EIGHTH STREET COFFEYVILLE, KS 67337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.11% |
| WILLIAM D STAEDKE3 Filed as: WILLIAM D. STAEDKE | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $7 | $81 | 0.05% |
| ROBERT W ALLEN3 Filed as: ROBERT W. ALLEN | 102 FLOYD BURNS ROAD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| 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 | 3.73% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $120 | $0 | $120 | 0.21% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
| BENEFIT PLAN STRATEGIES3 | 5314 SOUTH YALE AVENUE, SUITE 601 TULSA, OK 74135 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.16% |
| VANGUARD BENEFITS GROUP, LLC3 | 3325 FRENCH PARK DRIVE, SUITE 1 EDMOND, OK 73034 | LEADERS LIFE INSURANCE COMPANY | $39 | $0 | $39 | 1.32% |
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 | 606 | 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) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 32 | $1.2M |
| Dental | DELTA DENTAL OF OKLAHOMA | 178 | $100K |
| Vision | VISION SERVICE PLAN | 198 | $56K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 606 | $204K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 137 | $152K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 32 | $1.2M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 606 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.