| 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 | $110K | $1K | $111K | 5.31% |
| NORTHEASTERN TRIBAL HEALTH SYSTEM3 | 7600 SOUTH HIGHWAY 69A MIAMI, OK 74354 | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $2 | $2 | 0.00% |
| 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 | $877 | $10K | 13.33% |
| MICHELLE LAWYER3 | 14102 EAST 87TH STREET NORTH OWASSO, OK 74055 | AFLAC | $3K | $87 | $3K | 4.04% |
| SPENCER R. GRODEN3 Filed as: SPENCER R. GRODON AND OTHER AGENTS | 925 WEST K STREET JENKS, OK 74037 | AFLAC | $2K | $78 | $2K | 3.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | AFLAC | $2K | $0 | $2K | 3.65% |
| KELLY A JONES3 Filed as: KELLY A. JONES MORRIS | 1512 MELMART DRIVE BARTLESVILLE, OK 74006 | AFLAC | $1K | $31 | $1K | 2.13% |
| JOHN N KARR3 Filed as: JOHN N. KARR | 907 SOUTH DETROIT AVENUE, SUITE 905 TULSA, OK 74120 | AFLAC | $988 | $0 | $988 | 1.49% |
| ZAZHARY EVERETT3 | 300 RIVERWALK TERRRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $911 | $38 | $949 | 1.44% |
| TRAVIS D HURT3 Filed as: TRAVIS D. HURT | 18446 SOUTH 154TH EAST AVENUE BIXBY, OK 74008 | AFLAC | $696 | $0 | $696 | 1.05% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 257 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 257 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $72K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $72K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 257 | $2.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.