| 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 | $81K | — | $81K | 5.00% |
| SULLIVAN INSURANCE AGENCY3 | 321 WEST BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $8K | — | $8K | 8.00% |
| RONDA G THARP3 Filed as: RONDA THARP | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $878 | — | $878 | 2.88% |
| PENNY J SPURLIN3 Filed as: PENNY SPURLIN | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $674 | — | $674 | 2.21% |
| JOHN F SULLIVAN INC3 | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $427 | — | $427 | 1.40% |
| MICHELLE WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $267 | — | $267 | 0.88% |
| MICHAEL DALE DOBBINS3 Filed as: MICHAEL DOBBINS | PO BOX 38 106 E MCCLURE AVE PAULS VALLEY, OK 73075 | AFLAC | $230 | — | $230 | 0.75% |
| SHANE M OWEN3 Filed as: SHANE OWEN | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $209 | — | $209 | 0.69% |
| GINGER KAYE HARDY3 Filed as: GINGER HARDY | 431 W MAIN ST STE 410 TUPELO, MS 38804 | AFLAC | $87 | — | $87 | 0.29% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $32 | — | $32 | 0.11% |
| CHARLES ROBERTS3 | 51776 E COUNTY ROAD 1520 STRATFORD, OK 74872 | AFLAC | $22 | — | $22 | 0.07% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 5.36% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 14.56% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 229 | $1.6M |
| Dental | DELTA DENTAL OF OKLAHOMA | 145 | $96K |
| Vision | VISION SERVICE PLAN | 128 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 225 | $19K |
| Other(2 contracts, 2 carriers) | AFLAC | 225 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.