| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST UNITED BANK INS. SOLUTIONS3 | 1700 N BROADWAY STREET MOORE, OK 74137 | COMMUNITYCARE | $0 | $26K | $26K | 2.10% |
| BENEFITS UNLIMITED INC3 Filed as: BENEFITS UNLIMITED, LLC | 8431 S COLLEGE AVENUE TULSA, OK 74137 | COMMUNITYCARE | $0 | $9K | $9K | 0.71% |
| FIRST UNITED BANK INS. SOLUTIONS3 | 2615 KELLEY POINTE PKWY SUITE 100 EDMOND, OK 74137 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.88% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.27% |
| BENEFITS UNLIMITED INC3 Filed as: BENEFITS UNLIMITED, LLC | 8431 S COLLEGE AVENUE TULSA, OK 74137 | METROPOLITAN LIFE INSURANCE COMPANY | $810 | $0 | $810 | 0.67% |
| KELLI R CAROTHERS3 | 7310 E 76TH STREET TULSA, OK 74133 | AFLAC | $2K | $5 | $2K | 5.61% |
| TAMARA M BEAM3 | 14106 E 492 RD CLAREMORE, OK 74019 | AFLAC | $817 | $5 | $822 | 2.84% |
| TRAVIS D HURT3 Filed as: TRAVIS D HURT AND OTHER AGENTS | 18446 S 154TH EAST AVE BIXBY, OK 74008 | AFLAC | $625 | $2 | $627 | 2.17% |
| FIRST UNITED INSURANCE SOLUTIONS3 | 1700 N. BROADWAY STREET SUITE B MOORE, OK 73160 | AFLAC | $370 | $0 | $370 | 1.28% |
| RICK M MCKINNEY3 | 2448 E 81ST STREET TULSA, OK 74137 | AFLAC | $139 | $2 | $141 | 0.49% |
| JAMES D GRACE3 Filed as: JAMES D. GRACE | 4401 HIGHLAND HILLS DRIVE NORMAN, OK 73026 | AFLAC | $113 | $0 | $113 | 0.39% |
| JOHN ROBERT DE LARIOS3 | 119 TAMARACK CV HOLLY LAKE RANCH, TX 75765 | AFLAC | $110 | $0 | $110 | 0.38% |
| BENEFITS UNLIMITED INC3 Filed as: BENEFITS UNLIMITED, LLC | 8431 S COLLEGE AVENUE TULSA, OK 74137 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.92% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 2502 N. ROCKY POINT DRIVE SUITE 310 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $716 | $0 | $716 | 3.80% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 207 | $1.3M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $140K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $140K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $140K |
| Short-term disability | AFLAC | 27 | $29K |
| Prescription drug | COMMUNITYCARE | 207 | $1.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.