| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | BLUECROSS BLUESHIELD OF OKLAHOMA | $85K | $0 | $85K | 5.57% |
| RICK M MCKINNEY3 Filed as: RICK M. MCKINNEY | 300 RIVERWALK TERRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $1K | $0 | $1K | 2.14% |
| JOHN N KARR3 Filed as: JOHN N. KARR | 907 SOUTH DETROIT AVENUE, SUITE 905 TULSA, OK 74120 | AFLAC | $1K | $0 | $1K | 2.03% |
| MJ INSURANCE3 Filed as: ANGELA K. KARR AND VARIOUS AGENTS | 14001 SOUTH 18TH STREET BIXBY, OK 74008 | AFLAC | $1K | $0 | $1K | 1.74% |
| TRAVIS D HURT3 Filed as: TRAVIS D. HURT | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $1K | $0 | $1K | 1.71% |
| SPENCER R. GRODEN3 | 925 WEST K STREET JENKS, OK 74037 | AFLAC | $775 | $0 | $775 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | AFLAC | $585 | $0 | $585 | 0.93% |
| M JOANNE BLEVINS3 Filed as: M. JOANNE BLEVINS | PO BOX 1436 MIAMI, OK 74355 | AFLAC | $447 | $0 | $447 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.56% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 231 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 231 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $61K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 231 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 438 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.