| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 Filed as: ANDREINI AND CO. OF OK INC. | 14101 WIRELESS WAY SUITE 350 OKLAHOMA CITY, OK 73134 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $47K | $5K | $52K | 3.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK, LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $22K | $1 | $22K | 1.59% |
| ANDREINI AND COMPANY Filed as: ANDREINI AND COMPANY OF OK INC. | 4801 GAILLARDIA PARKWAY SUITE 360 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $3K | $0 | $3K | 3.99% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $2K | $0 | $2K | 2.01% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI AND CO. OF OK INC. | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $869 | $9K | 11.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORAT SERVICES OKLAHOMA | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.73% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & CO OF OK INC. | 141012 WIRELESS WAY SUITE 350 OKLAHOMA CITY, OK 73134 | VISION SERVICE PLAN | $544 | $0 | $544 | 3.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK | 4811 GAILLARDIA PKWY SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $256 | $0 | $256 | 1.60% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.72% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 203 | $1.4M |
| Dental | DELTA DENTAL | 112 | $87K |
| Vision | VISION SERVICE PLAN | 102 | $16K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 138 | $84K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 138 | $84K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 138 | $99K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 203 | $1.4M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 138 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.