| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES, INC | 220 E 8TH STE B TULSA, OK 74119 | DELTA DENTAL | $26K | — | $26K | 10.00% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE DBA WILCOX MCGR | 13230 PAWNEE DR STE 205 OKLAHOMA CITY, OK 73114 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $17 | $26K | 12.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 7.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.80% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 10.61% |
| JULIE E CONDRY3 | 11732 S. ERIE AVE TULSA, OK 74137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 71.93% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES, INC | 5591 S LEWIS AVE TULSA, OK 74105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 38.64% |
| ADDISON R STEWART3 | 3501 FRENCH PARK DR SUITE E EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 37.86% |
| JOHN N KARR3 Filed as: JOHN KARR | 2433 E 55TH COURT TULSA, OK 74105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.33% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SERVICES INC | 220 E 8TH ST STE B TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 383 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $217K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 642 | $17K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $217K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $217K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 642 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.