| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN INC | 321 WEST BRAODWAY ARDMORE, OK 73401 | UNITED HEALTH CARE | — | $46K | $46K | 5.04% |
| RONDA G THARP3 Filed as: RONDA THARP | 29029 COUNTY RD 1240 POCASSETT, OK 73079 | AFLAC | $4K | $1K | $5K | 10.26% |
| PENNY J SPURLIN3 Filed as: PENNY SPURLIN | P.O. BOX 88 TUTTLE, OK 73089 | AFLAC | $3K | $514 | $3K | 5.87% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC | 321 WEST BROADWAY ARDMORE, OK 73401 | AFLAC | $2K | $0 | $2K | 3.93% |
| SHANE M OWEN3 Filed as: SHANE OWEN | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $1K | $271 | $2K | 3.13% |
| KATRINA G SPERLE3 Filed as: KATRINA SPERLE | 11827 N 2230 RD CORDELL, OK 73632 | AFLAC | $289 | $37 | $326 | 0.62% |
| RONALD D THARP3 Filed as: RONALD THARP | 29029 COUNTY RD 1240 POCASSETT, OK 73079 | AFLAC | $136 | $11 | $147 | 0.28% |
| CHARLES ROBERTS3 | 34550 AIRLINE DRIVE PAULS VALLEY, OK 73075 | AFLAC | $92 | $7 | $99 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $49 | $7 | $56 | 0.11% |
| SULLIVAN INSURANCE AGENCY3 | 321 WEST BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $3K | — | $3K | 8.00% |
| JOHNF. SULLIVAN, INC.3 | 321 WEST BROADWAY ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 5.84% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | P.O. BOX 1534 ARDMORE, OK 73402 | THE HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 13.88% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 226 | $913K |
| Dental | DELTA DENTAL OF OKLAHOMA | 124 | $37K |
| Vision | VISION SERVICE PLAN | 114 | $17K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 191 | $10K |
| Prescription drug | UNITED HEALTH CARE | 226 | $913K |
| Other(2 contracts, 2 carriers) | AFLAC | 191 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.