| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD & ASSOCIATES,LLC | PO BOX 1050 JENKS, OK 74037 | COMMUNITYCARE HMO | — | $47K | $47K | 5.81% |
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD AND ASSOCIATES LLC | 121 E MAIN ST JENKS, OK 740373954 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.27% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| PHOENIX FINANCIAL GROUP LLC3 | 8775 HILLTOP RD BEGGS, OK 74421 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.29% |
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD AND ASSOCIATES LLC | P. O. BOX 1050 JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $475 | — | $475 | 4.16% |
| TYLER LINN AGENCY LLC3 | 1531 EAST 32ND STREET JOPLIN, MO 64804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 0.93% |
| SUZANNE PORSKE3 | 4502 E 51ST ST TULSA, OK 74135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.50% |
| PHOENIX FINANCIAL GROUP LLC3 | 8775 HILLTOP RD BEGGS, OK 74421 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 11.33% |
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD AND ASSOCIATES LLC | P. O. BOX 1050 JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 2.54% |
| SUZANNE PORSKE3 | 4502 E 51ST ST TULSA, OK 74135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.37% |
| PHOENIX FINANCIAL GROUP LLC3 | 8775 HILLTOP RD BEGGS, OK 74421 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 6.68% |
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD AND ASSOCIATES LLC | P. O. BOX 1050 JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 2.29% |
| SUZANNE PORSKE3 | 4502 E 51ST ST TULSA, OK 74135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.39% |
| PHOENIX FINANCIAL GROUP LLC3 | 8775 HILLTOP RD BEGGS, OK 74421 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 4.76% |
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD AND ASSOCIATES LLC | P. O. BOX 1050 JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 1.54% |
| SUZANNE PORSKE3 | 4502 E 51ST ST TULSA, OK 74135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.46% |
| PHOENIX FINANCIAL GROUP LLC3 | 8775 HILLTOP RD BEGGS, OK 74421 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 6.72% |
| TEDFORD & ASSOCIATES, LLC3 Filed as: TEDFORD AND ASSOCIATES LLC | P. O. BOX 1050 JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 2.39% |
| SUZANNE PORSKE3 | 4502 E 51ST ST TULSA, OK 74135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.43% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE HMO | 224 | $812K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $95K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $95K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 15 | $11K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.