| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD OIL COMPANY, LLC | 1831 SOUTH MAIN STREET BLACKWELL, OK 74631 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $1 | $1 | 0.00% |
| TCSC INSURANCE AGENCY, INC.3 | 205 WEST MAPLE, SUITE 103 ENID, OK 73701 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $1 | $1 | 0.00% |
| INSURICA, INC.3 Filed as: INSURICA INSURANCE SERVICES, LLC | 5100 NORTH CLASSEN BOULEVARD SUITE 300 OKLAHOMA CITY, OK 73118 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $1 | $1 | 0.00% |
| INSURICA, INC.3 Filed as: INSURICA INSURANCE SERVICES, LLC | 1200 COTTONWOOD CREEK TRAIL CEDAR PARK, TX 78613 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $872 | $8K | 14.01% |
| JOHN WILLIAM RITCHIE3 Filed as: JOHN W. RITCHIE | 18522 EAST PERSIMMON LANE OWASSO, OK 74055 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 130 | $743K |
| Dental | DELTA DENTAL | 79 | $62K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $54K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.