| 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 | 2.33% |
| TROY E. JONES3 | 3621 NW 63RD, STE. A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.19% |
| RICHARD C. DEFALCO3 | 4704 CRYSTAL LAKE RD NORMAN, OK 73072 | AFLAC | $5K | $210 | $5K | 7.86% |
| CYNTHIA A. HAWKINSON3 Filed as: CYNTHIA A HAWKINSON | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $4K | $137 | $4K | 5.85% |
| MARK EDWIN SCHMITZ3 | 1512 W. TRENTON ST BROKEN ARROW, OK 74012 | AFLAC | $1K | $27 | $1K | 1.89% |
| TERRA D WOOD3 Filed as: TERRA D. WOOD | 300 TECUMSEH RIDGE RD NORMAN, OK 73069 | AFLAC | $1K | $42 | $1K | 1.84% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD, STE. 100 OKLAHOMA CITY, OK 73112 | AFLAC | $631 | $42 | $673 | 1.05% |
| JAMES D GRACE3 | 2474 W. NEW ORLEANS ST BROKEN ARROW, OK 74011 | AFLAC | $351 | $7 | $358 | 0.56% |
| JAMES D GRACE3 Filed as: JAMES D. GRACE | 4316 S. ASPEN PL BROKEN ARROW, OK 74011 | AFLAC | $306 | $21 | $327 | 0.51% |
| BRIAN K EVERETT3 Filed as: BRIAN K. EVERETT | PO BOX 1152 NORMAN, OK 73070 | AFLAC | $202 | $0 | $202 | 0.32% |
| LINDA R. HARRISON3 | 3606 LIBERTY DR MOORE, OK 73160 | AFLAC | $35 | $0 | $35 | 0.05% |
| FAITH ELLEN NIX3 | 11803 RED OAK WAY OKLAHOMA CITY, OK 73162 | AFLAC | $17 | $0 | $17 | 0.03% |
| SHAWN R. GRANDI0 Filed as: SHAWN R GRANDI | 2009 EAGLE DR EDMOND, OK 73034 | AFLAC | $14 | $0 | $14 | 0.02% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR, STE E EDMOND, OK 73034 | AFLAC | $9 | $0 | $9 | 0.01% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | $0 | $6 | 0.01% |
| EARLENNE DYANN PINGLETON3 | 21544 NCR 3320 WYNNEWOOD, OK 73098 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRAD N WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN N KARR3 | 907 S DETROIT AVE, STE 905 TULSA, OK 74120 | AFLAC | $1 | $0 | $1 | 0.00% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.00% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | 6701 BROADWAY EXT, STE 200 OKLAHOMA CITY, OK 73116 | DELTA DENTAL | $4K | $4K | $8K | 16.15% |
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS | P.O. BOX 1747 FORT SMITH, AR 72902 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.08% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 295 | $1.2M |
| Dental | DELTA DENTAL | 163 | $49K |
| Vision | VISION SERVICE PLAN | 0 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $68K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $68K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.