| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN | 321 WEST BROADWAY ARDMORE, OK 73401 | UNITED HEALTH CARE | — | $35K | $35K | 5.00% |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $8K | — | $8K | 17.10% |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $4K | — | $4K | 8.94% |
| JOHN F SULLIVAN INC3 Filed as: JOHN SULLIVAN INC | 321 W BROADWAY STREET ARDMORE, OK 73401 | AFLAC | $4K | — | $4K | 8.37% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $2K | — | $2K | 5.04% |
| RONALD D THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $85 | — | $85 | 0.19% |
| SULLIVAN INSURANCE AGENCY | 321 WEST BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $3K | — | $3K | 8.00% |
| JOHN F SULLIVAN INC Filed as: JOHN F. SULLIVAN, INC. | 321 WEST BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $904 | — | $904 | 6.30% |
| JOHN F SULLIVAN INC Filed as: JOHN F. SULLIVAN INC | P.O. BOX 1534 ARDMORE, OK 73402 | THE HARTFORD | $1K | — | $1K | 13.84% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY BARRINGTON BARRINGTON, IL 60010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 9.84% |
| CHRISTI MAE WOODARD3 | 5405 SUDBURY LN OKLAHOMA CITY, OK 73135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $69 | $189 | 7.88% |
| JOE FERNANDEZ3 | 6136 FRISCO SQUARE BLVD FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $21 | $155 | 6.46% |
| NATALIE MICHELLE ORTIZ3 | 1205 MORRISON TRAIL EDMOND, OK 73012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 2.09% |
| STEVEN WILSON3 | 16307 N MAY AVE EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $23 | $48 | 2.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | 6136 FRISCO SQUARE BLVD FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 1.42% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.58% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN INC | 321 WEST BROADWAY ARDMORE, OK 73401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.54% |
| MARCEL JAMES MUELLER3 | 6136 FRISCO SQUARE BLVD FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.46% |
| TERRELL JOSEPH THORNE3 | 2060 COUNTY RD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| ANNA CHRISTINE POOLE3 | 4800 W 108TH STREET #1013 OVERLAND PARK, KS 66211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| WALTER ROBERT FAWCETT LII3 | 3030 NORTHWEST EXPWY OKLAHOMA CITY, OK 73112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 160 | $693K |
| Dental | DELTA DENTAL OF OKLAHOMA | 107 | $32K |
| Vision | VISION SERVICE PLAN | 109 | $14K |
| Life insurance | THE HARTFORD | 159 | $9K |
| Prescription drug | UNITED HEALTH CARE | 160 | $693K |
| Other(3 contracts, 3 carriers) | AFLAC | 159 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.