| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TROY E. JONES3 Filed as: TROY EMERY JONES | 3621 NW 63RD, STE. A1 OKLAHOMA CITY, OK 73116 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $45K | $47K | 2.44% |
| TROY E. JONES3 | 3621 NW 63RD, STE. A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.98% |
| RICHARD C. DEFALCO3 Filed as: RICHARD C. DELFALCO | 4704 CHRYSTAL LAKE RD NORMAN, OK 73072 | AFLAC | $5K | $263 | $6K | 7.20% |
| CYNTHIA A. HAWKINSON3 Filed as: CYNTHIA A HAWKINSON | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $5K | $263 | $5K | 6.32% |
| MARK EDWIN SCHMITZ3 | 1512 W TRENTON ST BROKEN ARROW, OK 74012 | AFLAC | $1K | $47 | $1K | 1.84% |
| TERRA D WOOD3 | 300 TECUMSEH RIDGE RD NORMAN, OK 73069 | AFLAC | $1K | $53 | $1K | 1.51% |
| JAMES D GRACE3 | 4316 S ASPEN PL BROKEN ARROW, OK 74011 | AFLAC | $797 | $46 | $843 | 1.06% |
| CAROL KAY JOHNSTON3 | 3449 E LOREN ST SPRINGFIELD, MO 65809 | AFLAC | $594 | $201 | $795 | 1.00% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCHARD, OK 73010 | AFLAC | $559 | $53 | $612 | 0.77% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD, STE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $342 | $0 | $342 | 0.43% |
| SEPHORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $148 | $40 | $188 | 0.24% |
| ZACHARY L SMITH3 | 3000 E DIVISION ST, STE A SPRINGFIELD, MO 65802 | AFLAC | $71 | $40 | $111 | 0.14% |
| SEAN SMITH MANAGEMENT LLC3 | 21408 B STREET ELKHORN, NE 68022 | AFLAC | $62 | $0 | $62 | 0.08% |
| TORREY A AMSTUTZ3 | 1125 E LAKEWOOD ST SPRINFIELD, MO 65810 | AFLAC | $60 | $0 | $60 | 0.08% |
| SIMONE A HITE3 | 2114 E WAYLAND ST SPRINGFIELD, MO 65804 | AFLAC | $39 | $0 | $39 | 0.05% |
| FAITH ELLEN NIX3 | 11803 RED OAK WAY OKLAHOMA CITY, OK 73162 | AFLAC | $27 | $11 | $38 | 0.05% |
| LINDA R. HARRISON3 Filed as: LINDA R HARRISON | 3606 LIBERTY DR MOORE, OK 73160 | AFLAC | $38 | $0 | $38 | 0.05% |
| DAVID H SEVON3 | 7651 W CARL AVENUE SPRINGFIELD, MO 65802 | AFLAC | $38 | $0 | $38 | 0.05% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD, STE B LIBERTY, MO 64068 | AFLAC | $17 | $0 | $17 | 0.02% |
| SHAWN R. GRANDI3 Filed as: SHAWN R GRANDI | 2009 EAGLE DR EDMOND, OK 73034 | AFLAC | $15 | $0 | $15 | 0.02% |
| EARLENNE DYANN PINGLETON3 | 21544 NCR 3320 WYNNEWOOD, OK 73098 | AFLAC | $12 | $2 | $14 | 0.02% |
| WELLS MANAGEMENT LLC3 | 11725 SE 960 PVT RD COLLINS, MO 64738 | AFLAC | $11 | $0 | $11 | 0.01% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DR, STE E EDMOND, OK 73034 | AFLAC | $9 | $0 | $9 | 0.01% |
| BRAD N WOOD3 | 12512 N COUNTY RD 3232 PAOLI, OK 73074 | AFLAC | $6 | $2 | $8 | 0.01% |
| JOHN N KARR3 | 907 S DETROIT AVE, STE. 905 TULSA, OK 74120 | AFLAC | $6 | $1 | $7 | 0.01% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $6 | $0 | $6 | 0.01% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | $0 | $6 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $3 | $0 | $3 | 0.00% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $2 | $0 | $2 | 0.00% |
| RYAN J HALLAM3 | 9124 N FARM ROAD 173 SPRINGFIELD, MO 65803 | AFLAC | $2 | $0 | $2 | 0.00% |
| RYAN WESNER3 | 1508 N. CHURCH RD, STE B LIBERTY, OK 64068 | AFLAC | $1 | $0 | $1 | 0.00% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N. CHURCH RD, STE B LIBERTY, MO 64068 | AFLAC | $1 | $0 | $1 | 0.00% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 902 S ANN DRIVE MARSHALL, MO 65340 | AFLAC | $1 | $0 | $1 | 0.00% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.00% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD, STE. B LIBERTY, MO 64068 | AFLAC | $1 | $0 | $1 | 0.00% |
| TROY E. JONES3 | 3621 NW 63RD, STE. A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.94% |
| TROY E. JONES3 | 3621 NW 63RD, STE. A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $308 | $0 | $308 | 19.99% |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $102K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
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.