| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVERSAL INSURANCE ADVISORS INC3 Filed as: UNIVERSAL INSURANCE AGENCY | 1700 NORTH BROADWAY STREET MOORE, OK 73160 | COMMUNITYCARE | — | $42K | $42K | 3.16% |
| FIRST UNITED BANK INS. SOLUTIONS3 Filed as: FIRST UNITED BANK INSURANCE | 2615 KELLEY POINTE PARKWAY SUITE 100 EDMOND, OK 73013 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.78% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET, SUITE 324 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $270 | $5K | 3.65% |
| INSURICA, INC.3 Filed as: INSURICA INS. MGMT. | 406 SOUTH BOULDER AVENUE, SUITE 500 TULSA, OK 74103 | METROPOLITAN LIFE INSURANCE COMPANY | -$70 | $12 | -$58 | -0.04% |
| KELLI R CAROTHERS3 | 7310 EAST 76TH STREET TULSA, OK 74133 | AFLAC | $4K | $93 | $4K | 6.78% |
| TAMARA M BEAM3 | 14106 EAST 492 ROAD CLAREMORE, OK 74019 | AFLAC | $2K | $93 | $3K | 4.75% |
| RICK M MCKINNEY3 Filed as: RICK MCKINNEY AND MISC AGENTS | 300 RIVERWALK TERRACE SUITE 260 JENKS, OK 74037 | AFLAC | $1K | $37 | $1K | 2.36% |
| FIRST UNITED INSURANCE SOLUTIONS3 | 2615 KELLEY POINT PARKWAY SUITE 100 EDMOND, OK 74008 | AFLAC | $1K | $0 | $1K | 2.19% |
| TRAVIS D HURT3 | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $561 | $37 | $598 | 1.11% |
| JOHN ROBERT DE LARIOS3 | 119 TAMARACK CV HOLY LAKE RANCH, TX 75765 | AFLAC | $296 | $0 | $296 | 0.55% |
| RICK M MCKINNEY3 | 202 NORTH ARMSTRONG STREET BIXBY, OK 74008 | AFLAC | $225 | $0 | $225 | 0.42% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 241 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $131K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $131K |
| Short-term disability | AFLAC | 40 | $54K |
| Prescription drug | COMMUNITYCARE | 241 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.