| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | PO BOX 1534 ARDMORE, OK 73402 | BLUECROSS BLUESHIELD OF OKLAHOMA | $87K | — | $87K | 5.00% |
| SULLIVAN INSURANCE AGENCY3 | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $8K | — | $8K | 8.00% |
| RONDA G THARP3 | 29029 COUNTY ROAD 1240 POCASSET, OK 73079 | AFLAC | $879 | $0 | $879 | 2.87% |
| PENNY J SPURLIN3 | PO BOX 88 TUTTLE, OK 73089 | AFLAC | $682 | $0 | $682 | 2.23% |
| JOHN F SULLIVAN INC3 | 321 W BROADWAY ST ARDMORE, OK 73401 | AFLAC | $429 | $0 | $429 | 1.40% |
| BRAD N WOOD3 | 12512 N COUNTY ROAD 3232 PAOLI, OK 73074 | AFLAC | $287 | $0 | $287 | 0.94% |
| MICHAEL DALE DOBBINS3 | 106 E MCCLURE AVE PO BOX 38 PAULS VALLEY, OK 73075 | AFLAC | $227 | $0 | $227 | 0.74% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $208 | $0 | $208 | 0.68% |
| GINGER KAYE HARDY3 | 431 W MAIN ST STE 410 TUPELO, MS 38804 | AFLAC | $88 | $0 | $88 | 0.29% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $33 | $0 | $33 | 0.11% |
| CHARLES M ROBERTS3 | 51776 E COUNTY ROAD 1520 STRATFORD, OK 74872 | AFLAC | $24 | $0 | $24 | 0.08% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $1K | — | $1K | 5.21% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 232 | $1.7M |
| Dental | DELTA DENTAL OF OKLAHOMA | 149 | $101K |
| Vision | VISION SERVICE PLAN | 129 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 220 | $19K |
| Other(2 contracts, 2 carriers) | AFLAC | 220 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.