| 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 | BLUECROSS BLUESHIELD OF OKLAHOMA | $39K | — | $39K | 4.00% |
| SULLIVAN INSURANCE AGENCY3 | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $5K | — | $5K | 8.00% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 5.44% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | THE HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $566 | $23 | $589 | 5.17% |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $412 | $8 | $420 | 3.69% |
| JOHN F SULLIVAN INC3 | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $299 | $0 | $299 | 2.62% |
| BRAD N WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $134 | $6 | $140 | 1.23% |
| SHANE M OWEN3 | 300 UNITED FOUNDERS BLVD STE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $113 | $0 | $113 | 0.99% |
| GINGER KAYE HARDY3 | 1105 W JACKSON ST TUPELO, MS 38804 | AFLAC | $61 | $6 | $67 | 0.59% |
| MICHAEL DALE DOBBINS3 | 106 E MCCLURE AVE PO BOX 38 PAULS VALLEY, OK 73075 | AFLAC | $47 | $0 | $47 | 0.41% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $4 | $0 | $4 | 0.04% |
| CHARLES M ROBERTS3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $3 | $0 | $3 | 0.03% |
| KATRINA G SPERLE3 | 11827 N 2230 RD CORDELL, OK 73632 | AFLAC | $2 | $0 | $2 | 0.02% |
| RONALD D THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $2 | $0 | $2 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE M BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 189 | $980K |
| Dental | DELTA DENTAL OF OKLAHOMA | 141 | $65K |
| Vision | VISION SERVICE PLAN | 140 | $21K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 192 | $13K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 189 | $980K |
| Other(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 192 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.