| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $10K | — | $10K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $4K | — | $4K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $3K | — | $3K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC. | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $2K | — | $2K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | 502 EAST CHICKASAW MCALESTER, OK 74501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 21.53% |
| GEOFF W NEWMAN3 | 3517 OVERLAND DRIVE DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 18.72% |
| DAVID H. JOHNSON3 Filed as: DAVID HOWARD JOHNSON | 3377 BRYAN ROAD DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.40% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 6012 BERETTA DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $974 | — | $974 | 2.49% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $2K | — | $2K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $2K | — | $2K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY | 502 EAST CHICKASAW AVENUE MCALESTER, OK 74501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.60% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $1K | — | $1K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $1K | — | $1K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $725 | — | $725 | 5.00% |
| SANTA FE AGANCY INC.3 | 502 EAST CHICKASAW MCALESTER, OK 74501 | VISION SERVICE PLAN | $805 | — | $805 | 6.97% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 26 | $519K |
| Dental | DELTA DENTAL | 79 | $52K |
| Vision | VISION SERVICE PLAN | 91 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $30K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 65 | $39K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 159 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.