| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD PLANO, TX 75093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $142K | $0 | $142K | 15.00% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | AMERITAS LIFE INSURANCE CORP | $56K | $525 | $56K | 15.14% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | SYMETRA LIFE INSURANCE COMPANY | $55K | $11K | $65K | 19.83% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD SUITE 350 PLANO, TX 75093 | COMPANION LIFE INSURANCE COMPANY | $9K | $0 | $9K | 39.85% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | COMPANION LIFE INSURANCE COMPANY | $657 | $0 | $657 | 2.93% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD., SUITE 3 PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.79% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $27 | $692 | 3.55% |
| KELLY JACKS3 | 19601 LEWIS RD WANETTE, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | $22 | $531 | 2.72% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $117 | $517 | 2.65% |
| GLYNDA C FRY-STEWART3 | 12060 84TH ST. LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $67 | $464 | 2.38% |
| TRACIE ELAINE PUTMAN3 | 6550 WINDRIDGE CIRCLE LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $10 | $175 | 0.90% |
| J E YORK & ASSOC INC3 | 730 E MAIN ADA, OK 74820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.42% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD PLANO, TX 75093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.40% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $16 | $507 | 3.22% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $71 | $369 | 2.35% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $349 | $13 | $362 | 2.30% |
| GLENDA C FRY-STEWART3 | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $30 | $217 | 1.38% |
| TRACY ELAINE PUTMAN3 | 6550 WINDRIDGE CIRCLE LEXINGTON, OH 73051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $5 | $86 | 0.55% |
| J E YORK & ASSOC INC3 | 730 E MAIN ADA, OK 74820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.32% |
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 | 450 | 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) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 38 | $22K |
| Dental | AMERITAS LIFE INSURANCE CORP | 461 | $371K |
| Vision | AMERITAS LIFE INSURANCE CORP | 461 | $371K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 772 | $352K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 772 | $345K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 772 | $329K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 612 | $948K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 772 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.