| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDFORD & ASSOCIATES, LLC3 | P. O. BOX 1050 JENKS, OK 74037 | COMMUNITY CARE HMO | — | $46K | $46K | 5.55% |
| TEDFORD & ASSOCIATES, LLC3 | 121 E MAIN ST JENKS, OK 740373954 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.16% |
| PORSKE SUZANNE3 | 4502 E 51ST ST TULSA, OK 74135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $6K | $6K | 43.40% |
| PHOENIX FINANCIAL GROUP LLC3 | 8775 HILLTOP RD BEGGS, OK 74421 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 8.70% |
| TEDFORD & ASSOCIATES, LLC3 | P. O. BOX 1050 JENKS, OK 74037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $297 | $297 | 2.34% |
| TYLER LINN AGENCY LLC3 | 1531 EAST 32ND STREET SUITE 4 JOPLIN, MO 64804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $31 | $31 | 0.24% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE HMO | 233 | $822K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $158K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $158K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $171K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $158K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.