| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | BLUECROSS BLUESHIELD OF OKLAHOMA | $134K | $3K | $137K | 5.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 14.30% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLNS., LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $70 | $70 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.07% |
| BRANDY EVERETT3 | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $4K | $23 | $4K | 4.78% |
| BRIAN K EVERETT3 Filed as: BRIAN EVERETT AND OTHER AGENTS | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $4K | $195 | $4K | 4.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 208 NORTH MILL STREET PRYOR, OK 74361 | AFLAC | $2K | $0 | $2K | 3.00% |
| ZACHARY EVERETT3 | 300 RIVERWALK TER, SUITE 260 JENKS, OK 74037 | AFLAC | $1K | $102 | $1K | 1.68% |
| MICHELLE LAWYER3 | 14102 EAST 87TH STREET NORTH OWASSO, OK 74055 | AFLAC | $792 | $234 | $1K | 1.26% |
| JOHN N KARR3 Filed as: JOHN KARR | 907 SOUTH DETROIT AVENUE, SUITE 905 TULSA, OK 74120 | AFLAC | $912 | $0 | $912 | 1.12% |
| KADEN SANDERS3 | 1505 EMILY CIRCLE SAPULPA, OK 74066 | AFLAC | $738 | $0 | $738 | 0.91% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 295 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF OKLAHOMA | 295 | $2.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 482 | $85K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 482 | $85K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 295 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 482 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.