| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ARDMORE, OK 73401 | BLUECROSS BLUESHIELD OF OKLAHOMA | $66K | — | $66K | 4.99% |
| SULLIVAN INSURANCE AGENCY3 | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $6K | — | $6K | 8.00% |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $966 | — | $966 | 2.81% |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73401 | AFLAC | $760 | — | $760 | 2.21% |
| JOHN F SULLIVAN INC3 | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $481 | — | $481 | 1.40% |
| BRAD N WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $316 | — | $316 | 0.92% |
| MICHAEL DALE DOBBINS3 | 106 E MCCLURE AVE PO BOX 38 PAULS VALLEY, OK 73075 | AFLAC | $277 | — | $277 | 0.81% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $221 | — | $221 | 0.64% |
| GINGER KAYE HARDY3 | PO BOX 2532 TUPELO, OK 38803 | AFLAC | $97 | — | $97 | 0.28% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $44 | — | $44 | 0.13% |
| CHARLES M ROBERTS3 | 51776 E COUNTY ROAD 1520 STRATFORD, OK 74872 | AFLAC | $20 | — | $20 | 0.06% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC | 321 W BROADWAY ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 5.67% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | THE HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.58% |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 221 | $1.3M |
| Dental | DELTA DENTAL OF OKLAHOMA | 129 | $71K |
| Vision | VISION SERVICE PLAN | 112 | $19K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 193 | $14K |
| Other | AFLAC | 0 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.