| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES OK LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES OK LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 5.72% |
| TROY E. JONES3 Filed as: TROY JONES | 3621 NW 63RD STREET, SUITE A1 OKLAHOMA CITY, OK 73116 | UNITEDHEALTHCARE INSURANCE COMPANY | $213 | $0 | $213 | 0.12% |
| RICHARD DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | AFLAC | $5K | $190 | $5K | 8.44% |
| JOSHUA C ROLAN3 Filed as: JOSHUA ROLAN | 201 BOWLING DRIVE PAULS VALLEY, OK 73075 | AFLAC | $3K | $0 | $3K | 4.84% |
| CYNTHIA A. HAWKINSON3 Filed as: CYNTHIA HAWKINSON | PO BOX 288 CHELSEA, OK 74016 | AFLAC | $2K | $170 | $2K | 3.82% |
| MJ INSURANCE3 Filed as: JOSHUA WORTHY AND VARIOUS AGENTS | 3700 NORTH CLASSEN BOULEVARD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $1K | $34 | $1K | 2.24% |
| BRIAN K EVERETT3 Filed as: BRIAN EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $1K | $0 | $1K | 2.00% |
| MARK METTILLE3 Filed as: MARK SCHMITZ | 1512 WEST TRENTON STREET BROKEN ARROW, OK 74012 | AFLAC | $755 | $34 | $789 | 1.39% |
| TERRA D WOOD3 Filed as: TERRA WOOD | 300 TECUMSAH RIDGE ROAD NORMAN, OK 73069 | AFLAC | $357 | $0 | $357 | 0.63% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $183K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $183K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $212K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $212K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $212K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
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.