| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | 4801 GAILLARDIA PKWY SUITE 200 OKLAHOMA CITY, OK 73142 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $50K | $0 | $50K | 2.00% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $33K | $0 | $33K | 1.32% |
| INSURICA, INC.3 Filed as: INSURICA INSURANCE SERVICES, LLC | 5100 N CLASSEN BLVD SUITE 300 OKLAHOMA CITY, OK 73142 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $17K | $0 | $17K | 0.69% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | DELTA DENTAL | $5K | $0 | $5K | 2.00% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES, LLC | 4801 GAILLARDIA PKWY SUITE 200 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $322 | $7K | 7.11% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $322 | $7K | 7.11% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 731250928 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $492 | $7K | 10.67% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES, LLC | 4801 GAILLARDIA PKWY SUITE 200 OKLAHOMA CITY, OK 731421866 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.87% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD. STE 300 OKLAHOMA CITY, OK 731185263 | VISION SERVICE PLAN | $780 | $0 | $780 | 1.92% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES, LLC | P.O. BOX 269031 OKLAHOMA CITY, OK 73126 | VISION SERVICE PLAN | $780 | $0 | $780 | 1.92% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 495 | $2.5M |
| Dental | DELTA DENTAL | 251 | $234K |
| Vision | VISION SERVICE PLAN | 252 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $95K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.