| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN INC | 321 W BROADWAY ST ARDMORE, OK 73401 | UNITED HEALTH CARE | — | $56K | $56K | 4.97% |
| RONDA G THARP3 Filed as: RONDA G. THARP | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $4K | $190 | $4K | 8.46% |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $2K | $42 | $2K | 4.35% |
| JOHN F SULLIVAN INC3 Filed as: JOHN SULLIVAN INC | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $2K | — | $2K | 3.97% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 248 OKLAHOMA CITY, OK 73112 | AFLAC | $497 | $17 | $514 | 1.08% |
| CHARLES M ROBERTS3 Filed as: CHARLES M ROBETS | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $400 | $20 | $420 | 0.88% |
| RONALD D THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $350 | $0 | $350 | 0.74% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $250 | — | $250 | 0.53% |
| BRAD N WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $232 | — | $232 | 0.49% |
| GINGER KAYE HARDY3 | 2322 N INTERSTATE DR NORMAN, OK 73072 | AFLAC | $188 | — | $188 | 0.40% |
| KATRINA G SPERLE3 | 11827 N 2230 RD CORDELL, OK 73632 | AFLAC | $175 | — | $175 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $21 | — | $21 | 0.04% |
| BRENDA MARTIN3 | 2227 S 12TH CHICKASHA, OK 73018 | AFLAC | $17 | — | $17 | 0.04% |
| SULLIVAN INSURANCE AGENCY3 | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $3K | — | $3K | 8.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| JOHN F SULLIVAN INC3 Filed as: JOHN E SULLIVAN INC | PO BOX 1534 ARDMORE, OK 73402 | THE HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 14.29% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 230 | $1.1M |
| Dental | DELTA DENTAL OF OKLAHOMA | 132 | $41K |
| Vision | VISION SERVICE PLAN | 115 | $18K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 194 | $10K |
| Prescription drug | UNITED HEALTH CARE | 230 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 194 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.