| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | 2600 VAN BUREN STREET, SUITE 2632 NORMAN, OK 73072 | BLUECROSS BLUESHIELD OF OKLAHOMA | $93K | $11K | $104K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $8K | — | $8K | 0.38% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS, INC. | 2600 VAN BUREN, SUITE 2632 NORMAN, OK 73072 | COMMUNITYCARE | $31K | — | $31K | 3.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | COMMUNITYCARE | $3K | — | $3K | 0.36% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | PO BOX 722795 NORMAN, OK 73070 | DENTAL DENTAL | $12K | — | $12K | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DENTAL DENTAL | $2K | — | $2K | 0.64% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS, INC. | PO BOX 722795 NORMAN, OK 73070 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $3K | $34K | 19.46% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR INSURANCE BROKERAGE, INC. | PO BOX 320 EXCELSIOR, MN 55331 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | 2600 VAN BUREN STREET, SUITE 2632 NORMAN, OK 73072 | VISION SERVICE PLAN | $3K | — | $3K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $338 | — | $338 | 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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 288 | $2.9M |
| Dental | DENTAL DENTAL | 884 | $359K |
| Vision | VISION SERVICE PLAN | 1,097 | $144K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,129 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,129 | $175K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,129 | $175K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 288 | $2.9M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,129 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.