| 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 | $47K | $0 | $47K | 2.00% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $47K | $0 | $47K | 2.00% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | DELTA DENTAL | $4K | $0 | $4K | 2.00% |
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PARKWAY OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $4K | $0 | $4K | 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 | $534 | $7K | 8.12% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD. SUITE 300 OKLAHOMA CITY, OK 73118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $321 | $7K | 7.88% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES, LLC | 4801 GAILLARDIA PKWY SUITE 200 OKLAHOMA CITY, OK 731421866 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.93% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 731250928 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.93% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD. STE 300 OKLAHOMA CITY, OK 731185263 | VISION SERVICE PLAN | $806 | $0 | $806 | 2.10% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES, LLC | 4801 GAILLARDIA PKWY SUITE 200 OKLAHOMA CITY, OK 731421866 | VISION SERVICE PLAN | $806 | $0 | $806 | 2.10% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 478 | $2.4M |
| Dental | DELTA DENTAL | 222 | $200K |
| Vision | VISION SERVICE PLAN | 224 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $85K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.