| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TROY E. JONES3 Filed as: TROY EMERY JONES | 3621 NW 63RD STREET, SUITE A1 OKLAHOMA CITY, OK 73116 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| TROY E. JONES3 Filed as: TROY EMERY JONES | 3621 NW 63RD STREET, SUITE A1 OKLAHOMA CITY, OK 73116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 16.01% |
| RICHARD C. DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | AFLAC | $4K | $0 | $4K | 8.20% |
| CYNTHIA A. HAWKINSON3 | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $3K | $0 | $3K | 6.42% |
| MARK EDWIN SCHMITZ3 | 1512 WEST TRENTON STREET BROKEN ARROW, OK 74012 | AFLAC | $967 | $0 | $967 | 2.00% |
| MJ INSURANCE3 Filed as: JAMES D. GRACE AND VARIOUS AGENTS | 4401 HIGHLAND HILLS DRIVE NORMAN, OK 73026 | AFLAC | $721 | $0 | $721 | 1.49% |
| BRIAN K EVERETT3 Filed as: BRIAN K. EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $465 | $0 | $465 | 0.96% |
| JOHN N KARR3 Filed as: JOHN N. KARR | 907 SOUTH DETROIT AVENUE, SUITE 905 TULSA, OK 74120 | AFLAC | $350 | $0 | $350 | 0.72% |
| TERRA D WOOD3 Filed as: TERRA D. WOOD | 300 TECUMSEH RIDGE ROAD NORMAN, OK 73069 | AFLAC | $321 | $0 | $321 | 0.66% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $184K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $184K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $96K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $96K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.