| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | BLUECROSS BLUESHIELD OF OKLAHOMA | $110K | $0 | $110K | 5.35% |
| ROBERT JONES3 | UNKNOWN SHAWNEE, OK 74804 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $410 | $410 | 0.02% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | BLUECROSS BLUESHIELD OF OKLAHOMA | $22K | $1K | $23K | 5.63% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | $0 | $50K | 16.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $16K | $16K | 5.10% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 520 CAPITOL MALL, SUITE 500 SACRAMENTO, CA 95814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $10K | $10K | 3.22% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF OKLAHOMA | 468 | $2.5M |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF OKLAHOMA | 468 | $2.5M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $307K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $307K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $307K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $307K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.