| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | COMMUNITY CARE MANAGED HEALTHCARE PLANS OF OKLAHOMA | — | $25K | $25K | 2.86% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY - 66131 | $11K | — | $11K | 10.47% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | AMERICAN FIDELITY ASSURANCE COMPANY - 66131 | $4K | — | $4K | 3.97% |
| OKLAHOMA AUTOMOBILE DEALERS0 | C/O KRISTAN MCCONELL OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY - 66131 | — | $314 | $314 | 0.29% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | DELTA DENTAL | $8K | — | $8K | 10.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY - 29187 | $3K | — | $3K | 5.53% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | AMERICAN FIDELITY ASSURANCE COMPANY - 29187 | $2K | — | $2K | 4.23% |
| OKLAHOMA AUTOMOBILE DEALERS0 | C/O KRISTAN MCCONNELL OKLAHOMA CITY, OK 73105 | AMERICAN FIDELITY ASSURANCE COMPANY - 29187 | — | $164 | $164 | 0.30% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | VISION SERVICE PLAN | $1K | — | $1K | 10.04% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $382 | $2K | 18.64% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $525 | $525 | 5.01% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 53998 | $977 | — | $977 | 10.66% |
| BARKER DARREN3 | 707 W 51ST STREET TULSA, OK 74107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 53998 | $539 | — | $539 | 5.88% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 54014 | $730 | — | $730 | 14.70% |
| BARKER DARREN3 | 707 W 51ST STREET TULSA, OK 74107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 54014 | $414 | — | $414 | 8.34% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $610 | $175 | $785 | 19.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $203 | $203 | 5.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 10425 S 82ND E AVE SUITE 110 TULSA, OK 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | $37 | $182 | 18.84% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48 | $48 | 4.97% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMUNITY CARE MANAGED HEALTHCARE PLANS OF OKLAHOMA | 174 | $1.0M |
| Dental | DELTA DENTAL | 109 | $84K |
| Vision | VISION SERVICE PLAN | 84 | $14K |
| Life insurance(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $30K |
| Short-term disability(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY - 66131 | 56 | $176K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY - 66131 | 56 | $162K |
| Other(6 contracts, 5 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY - 66131 | 190 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.