| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $24K | $0 | $24K | 1.00% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY SUITE 200 OKLAHOMA CITY, OK 73142 | SUN LIFE ASSURANCE COMPANY OF CANADA | $102K | $0 | $102K | 4.36% |
| EMPLOYER ADVOCATES LLC3 | P.O. BOX 269031 OKLAHOMA CITY, OK 73126 | VISION SERVICE PLAN | $28K | $0 | $28K | 9.99% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.08% |
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 | 951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,920 | $2.4M |
| Vision | VISION SERVICE PLAN | 1,779 | $275K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,373 | $2.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,373 | $2.3M |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,373 | $2.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,373 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,920 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.