| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICH & CARTMILL, INC.3 | 2738 E. 51ST STREET, SUITE 400 TULSA, OR 74105 | BLUECROSS BLUE SHIELD OF OKLAHOMA | $45K | $850 | $46K | 4.33% |
| RICH & CARTMILL, INC.3 | 2738 E. 51ST STREET, SUITE 400 TULSA, OK 74105 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.95% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.73% |
| RICH & CARTMILL, INC.3 | 2738 E. 51ST STREET, SUITE 400 TULSA, OK 74105 | EYEMED VISION CARE | $1K | — | $1K | 12.71% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF OKLAHOMA | 155 | $1.1M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 96 | $37K |
| Vision | EYEMED VISION CARE | 126 | $10K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 136 | $27K |
| Prescription drug | BLUECROSS BLUE SHIELD OF OKLAHOMA | 155 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 136 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.