| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $212K | $0 | $212K | 4.46% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | SYMETRA LIFE INSURANCE COMPANY | $73K | $15K | $89K | 15.84% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.59% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | DELTA DENTAL OF OKLAHOMA | $43K | $0 | $43K | 10.00% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | $0 | $54K | 24.93% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.81% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.25% |
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 | 984 | 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) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 791 | $429K |
| Vision | VISION SERVICE PLAN | 772 | $84K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 805 | $559K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 805 | $559K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 923 | $4.8M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 984 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.