| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEX, INC.3 Filed as: BENEX INC. | 8516 E 101 ST., SUITE H TULSA, OK 74133 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $190K | — | $190K | 4.17% |
| BENEX, INC.3 | 8516 E 101ST ST., SUITE H TULSA, OK 741337035 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| BENEX, INC.3 Filed as: BENEX INSURANCE AGENCY | 8516 E 101ST, SUITE H TULSA, OK 74133 | DELTA DENTAL | $19K | — | $19K | 8.37% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | DELTA DENTAL | $4K | — | $4K | 1.63% |
| BENEX, INC.3 Filed as: BENEX INSURANCE AGENCY | 8516 E 101 ST., SUITE H TULSA, OK 74133 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.57% |
| BENEX, INC.3 Filed as: BENEX INC. | 8516 E 101ST STREET, SUITE H TULSA, OK 74133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.74% |
| ANGELA K KARR3 | 5746 E SKELLY DRIVE TULSA, OK 74135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.40% |
| JOHN N KARR3 Filed as: JOHN KARR | 2433 E 55TH COURT TULSA, OK 74105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.20% |
| ADDISON R STEWART3 | 3501 FRENCH PARK DRIVE, SUITE E EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $721 | — | $721 | 1.05% |
| TRAVIS HURT3 | 505 S 89TH E AVENUE TULSA, OK 74112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $500 | — | $500 | 0.73% |
| MARK E SCHMITZ3 | 4853 S SHERIDAN ROAD, SUITE 601 TULSA, OK 74145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.28% |
| DIANNA L YINGST3 | 8721 S 200TH E AVENUE BROKEN ARROW, OK 74014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.08% |
| BENEX, INC.3 | 8516 E. 101ST ST., SUITE H TULSA, OK 741337035 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD, SUITE 200 BERWYN, PA 193121190 | VISION SERVICE PLAN | $272 | — | $272 | 0.56% |
| BENES INSURANCE AGENCY3 | 8516 E 101 ST., SUITE H TULSA, OK 74133 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.56% |
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 | 684 | 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) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 713 | $4.6M |
| Dental | DELTA DENTAL | 414 | $221K |
| Vision | VISION SERVICE PLAN | 359 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $101K |
| Short-term disability | STANDARD INSURANCE COMPANY | 534 | $348K |
| Long-term disability | STANDARD INSURANCE COMPANY | 534 | $348K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 713 | $4.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.