| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | BLUECROSS BLUE SHIELD OF OKLAHOMA | $32K | $0 | $32K | 2.93% |
| TERESA GARDNER INC3 | PO BOX 757 SHAWNEE, OK 74802 | BLUECROSS BLUE SHIELD OF OKLAHOMA | $23K | $0 | $23K | 2.07% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.08% |
| BANCFIRST INS SERVICES INC3 | 11732 SOUTH ERIE AVENUE TULSA, OK 74137 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.10% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | DELTA DENTAL | $7K | $0 | $7K | 7.15% |
| TERESA GARDNER INC3 | PO BOX 757 SHAWNEE, OK 74802 | DELTA DENTAL | $4K | $0 | $4K | 4.85% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | VISION SERVICE PLAN | $719 | $0 | $719 | 5.08% |
| TERESA GARDNER INC3 | PO BOX 757 SHAWNEE, OK 74802 | VISION SERVICE PLAN | $399 | $0 | $399 | 2.82% |
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 | 135 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF OKLAHOMA | 215 | $1.1M |
| Dental | DELTA DENTAL | 119 | $93K |
| Vision | VISION SERVICE PLAN | 102 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $166K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $166K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $166K |
| Prescription drug | BLUECROSS BLUE SHIELD OF OKLAHOMA | 215 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.