| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICH & CARTMILL, INC.3 Filed as: RICH & CARTMILL, INC | 2738 E 51ST STREET SUITE 400 TULSA, OK 74105 | UNITED HEALTH CARE | $43K | — | $43K | 1.46% |
| RICH & CARTMILL, INC.3 | 2738 E 51ST STE 400 TULSA, OK 74105 | GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 7.48% |
| RICH & CARTMILL, INC.3 | 2738 E 51ST STE 400 TULSA, OK 74105 | DELTA DENTAL | $6K | $17K | $22K | 11.79% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 584 | $3.0M |
| Dental | DELTA DENTAL | 256 | $189K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 219 | $339K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 219 | $339K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 219 | $339K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 219 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.