| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | HEALTHCOMP INTEGRATED SOLUTIONS, LLC | $66K | — | $66K | 14.37% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $13K | — | $13K | 8.00% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.75% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE STE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OK 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.75% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OK 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.75% |
| EMPLOYER ADVOCATES LLC3 | 481 GAILLARDIA PWKY STE 200 OKLAHOMA CITY, OK 731421866 | VISION SERVICE PLAN | $1K | — | $1K | 4.83% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE STE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OK 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $492 | $492 | 2.91% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $322 | $3 | $325 | 3.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE STE 1900 TULSA, OK 74132 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $255 | — | $255 | 2.96% |
| MARILYN K EMBERSON3 Filed as: MARILYN EMBERSON | 7220 N HAMMOND AVENUE WARR ACRES, OK 73132 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $213 | — | $213 | 2.47% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE STE 700 OKLAHOMA CITY, OK 73012 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $81 | — | $81 | 0.94% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $74 | — | $74 | 0.86% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $12 | — | $12 | 0.14% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 7008 SALEM AVENUE SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE ACCIDENT INSURANCE CO. | $1 | — | $1 | 0.01% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PKWY STE 200 OKLAHOMA CITY, OK 731421866 | METROPOLITAN LIFE INSURANCE COMPANY | $971 | — | $971 | — |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 320 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 152 | $162K |
| Vision | VISION SERVICE PLAN | 131 | $28K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $67K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $45K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.