| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | HEALTH CARE SERVICE CORPORATION | $85K | $1K | $86K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 1388 HOUSTON, TX 77251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM A DIVISION OF MARSH U | PO BOX 301598 DALLAS, TX 753031598 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.10% |
| COATES AND ROURKE AGENCY, INC.3 Filed as: COATES & ROURKE AGENCY INC | P O BOX 460 MUSTANG, OK 73064 | DELTA DENTAL OF OKLAHOMA | $1K | — | $1K | 12.00% |
| COATES AND ROURKE AGENCY, INC.3 | P.O. BOX 460 MUSTANG, OK 730640460 | AMERITAS LIFE INSURANCE CORPORATION | $255 | — | $255 | 9.54% |
| SUE WILSON BROKERAGE INC3 Filed as: SUE WILSON BROKERAGE, INC. | 2525 NORTHWEST EXPRESSWAY SUITE 345 OKLAHOMA CITY, OK 731127227 | AMERITAS LIFE INSURANCE CORPORATION | $53 | — | $53 | 1.98% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH CARE SERVICE CORPORATION | 262 | $1.7M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $105K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $91K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $88K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.