| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 731421858 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 4.00% |
| MASCHINO HUDELSON & ASSOCIATES | 4811 GAILLARDIA PKWY 300 OKLAHOMA CITY, OK 731421858 | UNITEDHEALTHCARE INSURANCE COMPANY | $874 | — | $874 | 0.19% |
| TEDFORD & ASSOCIATES, LLC Filed as: TEDFORD & ASSOCIATES LLC | PO BOX 1050 JENKS, OK 74037 | DELTA DENTAL OF OKLAHOMA | $3K | $4K | $7K | 15.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY, STE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE | $2K | $531 | $2K | 19.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PKWY, STE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE | $2K | $483 | $2K | 19.57% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY STE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $723 | — | $723 | 7.64% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 65 | $466K |
| Dental | DELTA DENTAL OF OKLAHOMA | 83 | $46K |
| Vision | VISION SERVICE PLAN | 37 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 25 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE | 92 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.