| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TROY E. JONES3 | 3621 NW 63RD, STE A1 OKLAHOMA CITY, OK 73116 | HEALTH CARE SERVICE CORPORATION | — | $29K | $29K | 3.02% |
| TROY E. JONES3 | 3621 NW 63RD, STE A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE OF AMERICA | $6K | — | $6K | 8.41% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 Filed as: EMPLOYEE BENEFIT PROFESSIONALS, LLC | 2212 NW 50TH, STE. 140C OKLAHOMA CITY, OK 73112 | DELTA DENTAL | $5K | $7K | $12K | 19.26% |
| RICHARD C. DEFALCO3 Filed as: RICHARD C. DELFALCO | 4704 CRYSTAL LAKE RD NORMAN, OK 73072 | AFLAC | $650K | — | $650K | 1945.81% |
| CYNTHIA A. HAWKINSON3 | P.O. BOX 288 CHELSEA, OK 74016 | AFLAC | $5K | — | $5K | 15.79% |
| TERRA D WOOD3 Filed as: TERRA D. WOOD | 300 TECUMSEH RIDGE RD NORMAN, OK 73069 | AFLAC | $2K | $34 | $2K | 4.64% |
| MARK EDWIN SCHMITZ3 | 1512 W. TRENTON ST BROKEN ARROW, OK 74012 | AFLAC | $1K | — | $1K | 3.71% |
| SHANE M OWEN3 Filed as: SHANE M. OWEN | 3000 UNITED FOUNDERS BLVD, STE. 248 OKLAHOMA CITY, OK 73112 | AFLAC | $993 | — | $993 | 2.97% |
| JAMES D GRACE3 Filed as: JAMES D. GRACE | 2482 W. NEW ORLEANS ST BROKEN ARROW, OK 74011 | AFLAC | $808 | — | $808 | 2.42% |
| LINDA R. HARRISON3 | 3606 LIBERTY DR MOORE, OK 73160 | AFLAC | $26 | — | $26 | 0.08% |
| SHAWN R. GRANDI3 | 3205 RAINTREE RD OKLAHOMA CITY, OK 73120 | AFLAC | $11 | — | $11 | 0.03% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR, STE. E EDMOND, OK 73034 | AFLAC | $6 | — | $6 | 0.02% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | P.O BOX 306 WETUMKA, OK 74883 | AFLAC | $4 | — | $4 | 0.01% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| EMPLOYEE BENEFIT PROFESSIONALS LLC3 Filed as: EMPLOYEE BENEFIT PROFESSIONALS, LLC | 2212 NW 50TH, STE. 140C OKLAHOMA CITY, OK 73112 | VISION SERVICE PLAN | $687 | — | $687 | 100.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | P.O. BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $355 | — | $355 | 51.67% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 256 | $949K |
| Dental | DELTA DENTAL | 142 | $64K |
| Vision | VISION SERVICE PLAN | 127 | $687 |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 183 | $73K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 183 | $73K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 183 | $73K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 183 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.