| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $6K | — | $6K | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $4K | — | $4K | 5.00% |
| GW NEWMAN INSURANCE, INC3 | 3517 OVERLAND DRIVE DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.06% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY, INC | 602 EAST CHICKASAW MCALESTER, OK 74501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| DAVID H. JOHNSON3 Filed as: DAVID HOWARD JOHNSON | 3377 BRYAN ROAD DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.15% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 6012 BERETTA DURANT, OK 75701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | — | $682 | 1.39% |
| GW NEWMAN INSURANCE, INC3 | 3517 OVERLAND DRIVE DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $531 | — | $531 | 1.08% |
| KEVIN SCOTT RIBERA3 | 3986 BANTY ROAD BENNINGTON, OK 74723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 0.27% |
| GEOFF W NEWMAN3 | 3517 OVERLAND DRIVE DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.25% |
| GEOFF W NEWMAN3 | 3517 OVERLAND DRIVE DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| 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 | 502 EAST CHICKASAW MCALESTER, OK 74501 | DELTA DENTAL | $3K | — | $3K | 8.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY | 502 EAST CHICKASAW AVENUE MCALESTER, OK 74501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 14.72% |
| 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 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $984 | — | $984 | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $876 | — | $876 | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $729 | — | $729 | 5.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC. | 502 EAST CHICKASAW MCALESTER, OK 74501 | VISION SERVICE PLAN | $791 | — | $791 | 7.10% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 15 | $341K |
| Dental | DELTA DENTAL | 45 | $43K |
| Vision | VISION SERVICE PLAN | 61 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $32K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 19 | $49K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 143 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.