| 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 | $0 | $29K | $29K | 2.64% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 6701 BROADWAY EXTENSION, STE. 200 OKLAHOMA CITY, OK 73116 | DELTA DENTAL | $8K | $8K | $16K | 16.41% |
| TROY E. JONES3 | 3621 NW 63RD, STE. A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE OF AMERICA | $6K | — | $6K | 8.67% |
| RICHARD C. DEFALCO3 Filed as: RICHARD C. DELFALCO | 4704 CRYSTAL LAKE RD NORMAN, OK 73072 | AFLAC | $5K | $893 | $5K | 9.47% |
| CYNTHIA A. HAWKINSON3 | P.O. BOX 288 CHELSEA, OK 74016 | AFLAC | $3K | $733 | $4K | 6.75% |
| TERRA D WOOD3 Filed as: TERRA D. WOOD | 300 TECUMSEH RIDGE RD NORMAN, OK 73069 | AFLAC | $1K | $179 | $1K | 2.33% |
| MARK EDWIN SCHMITZ3 | 1512 W. TRENTON ST BROKEN ARROW, OK 74012 | AFLAC | $1K | $147 | $1K | 2.11% |
| SHANE M OWEN3 Filed as: SHANE M. OWEN | 3000 UNITED FOUNDERS BLVD, STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $799 | $179 | $978 | 1.70% |
| JAMES D GRACE3 Filed as: JAMES D. GRACE | 2474 W. NEW ORLEANS ST BROKEN ARROW, OK 74011 | AFLAC | $598 | $147 | $745 | 1.29% |
| LINDA R. HARRISON3 | 3606 LIBERTY DR. MOORE, OK 73160 | AFLAC | $35 | — | $35 | 0.06% |
| SHAWN R. GRANDI3 | 3205 RAINTREE RD OKLAHOMA CITY, OK 73120 | AFLAC | $14 | — | $14 | 0.02% |
| BOBBY R STEWART3 Filed as: BOBBY R. STEWART | 3501 FRENCH PARK DR., STE. E EDMOND, OK 73034 | AFLAC | $9 | — | $9 | 0.02% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | P.O. BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | — | $6 | 0.01% |
| MOFFATT DESIGNS LLC3 Filed as: MOFFATT DESIGNS, LLC | 1221 LAMPLIGHTER LANE EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS | PO BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 278 | $1.1M |
| Dental | DELTA DENTAL | 166 | $99K |
| Vision | VISION SERVICE PLAN | 156 | $24K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 199 | $71K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 199 | $71K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 199 | $71K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 199 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.