| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMP. BENEFITS SVCS. OF OK | 201 SOUTH DENVER, SUITE 500 TULSA, OK 74103 | BLUE CROSS BLUE SHIELD OKLAHOMA | $30K | $3K | $32K | 3.64% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMP. BENEFIT SVCS. OF OK | 201 SOUTH DENVER, SUITE 500 TULSA, OK 74103 | DELTA DENTAL OF OKLAHOMA | $6K | — | $6K | 6.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1300 SOUTH MAIN STREET TULSA, OK 74119 | DELTA DENTAL OF OKLAHOMA | $931 | — | $931 | 1.10% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OKLAHOMA | 267 | $881K |
| Dental | DELTA DENTAL OF OKLAHOMA | 167 | $85K |
| Prescription drug | BLUE CROSS BLUE SHIELD OKLAHOMA | 267 | $881K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.