| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER P HOPFER3 | 3720 E 2ND STREET EDMOND, OK 73034 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.32% |
| CHRISTOPHER P HOPFER3 | 3720 E 2ND ST EDMOND, OK 73034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.31% |
| CHRISTOPHER P HOPFER3 | 3720 E 2ND STREET EMOND, OK 73034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| CHRISTOPHER P HOPFER3 | 3720 E 2ND ST EMOND, OK 73034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.21% |
| CHRISTOPHER P HOPFER3 | 3720 E 2ND STREET EDMOND, OK 73034 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CHRISTOPHER P HOPFER3 | 3720 E 2ND ST EDMOND, OK 73034 | UNUM INSURANCE COMPANY | $756 | — | $756 | 9.14% |
| CHRISTOPHER P HOPFER3 | 3720 E 2ND ST EMOND, OK 73034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $840 | — | $840 | 15.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 102 | $56K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 102 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $41K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $46K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.