| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | PO BOX 1534 ARDMORE, OK 73402 | BLUECROSS BLUESHIELD OF OKLAHOMA | $97K | — | $97K | 5.00% |
| SULLIVAN INSURANCE AGENCY3 | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $9K | — | $9K | 8.00% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 4.91% |
| RONDA G THARP3 Filed as: RONDA THARP | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $764 | $0 | $764 | 2.92% |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $631 | $0 | $631 | 2.41% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F SULLIVAN | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $369 | $0 | $369 | 1.41% |
| BRAD N WOOD3 Filed as: BRAD WOOD | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $221 | $0 | $221 | 0.85% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $204 | $0 | $204 | 0.78% |
| MICHAEL DALE DOBBINS3 | PO BOX 38 106 E MCCLURE AVE PAULS VALLEY, OK 73075 | AFLAC | $129 | $0 | $129 | 0.49% |
| GINGER KAYE HARDY3 | 431 W MAIN ST STE 410 TUPELO, MS 38804 | AFLAC | $79 | $0 | $79 | 0.30% |
| CHARLES M ROBERTS3 | 51776 E COUNTY ROAD 1520 STRATFORD, OK 74872 | AFLAC | $24 | $0 | $24 | 0.09% |
| LARRY D DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $24 | $0 | $24 | 0.09% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 247 | $1.9M |
| Dental | DELTA DENTAL OF OKLAHOMA | 159 | $109K |
| Vision | VISION SERVICE PLAN | 146 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 220 | $27K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 220 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
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.