| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXTEP BENEFITS SERVICES LLC3 | 1800 N INTERSTATE DRIVE NORMAN, OK 73072 | AETNA LIFE INSURANCE CO. | $448K | — | $448K | 0.52% |
| NEXTEP BENEFITS SERVICES LLC3 | 1800 N INTERSTATE DRIVE NORMAN, OK 73072 | METROPOLITAN LIFE INSURANCE COMPANY | $361K | — | $361K | 5.90% |
| NEXTEP BENEFITS SERVICES LLC3 | 1800 NORTH INTERSTATE DRIVE NORMAN, OK 73072 | METROPOLITAN LIFE INSURANCE COMPANY | $138K | -$3 | $138K | 21.01% |
| NEXTEP BENEFITS SERVICES LLC3 | 1800 NORTH INTERSTATE DRIVE NORMAN, OK 73072 | METROPOLITAN LIFE INSURANCE COMPANY | $118K | $1 | $118K | 21.23% |
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 | 8,012 | 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) | 8,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 14,332 | $89.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 16,696 | $6.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 16,696 | $6.1M |
| Life insurance | AETNA LIFE INSURANCE CO. | 14,332 | $86.8M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 14,332 | $86.8M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 14,332 | $86.8M |
| Other(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 16,696 | $94.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,696 | — |
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.