| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN STRATEGIES | 5314 S YALE AVE STE 601 TULSA, OK 74135 | COMMUNITYCARE | $69K | $0 | $69K | 6.06% |
| BENEFIT PLAN STRATEGIES | 5314 S YALE AVE STE 601 TULSA, OK 74135 | KAISER PERMANENTE | $29K | $0 | $29K | 5.15% |
| BENEFIT PLAN STRATEGIES | 5314 S YALE AVE STE 601 TULSA, OK 74135 | DELTA DENTAL OF OKLAHOMA | $13K | $6K | $20K | 14.91% |
| BENEFIT PLAN STRATEGIES3 | 5314 S YALE AVE STE 601 TULSA, OK 74135 | MUTUAL OF OMAHA | $3K | $1K | $5K | 20.64% |
| BENEFIT PLAN STRATEGIES | 5314 S YALE AVE STE 601 TULSA, OK 74135 | VSP | $562 | $0 | $562 | 2.53% |
| BENEFIT PLAN STRATEGIES | 5314 S YALE AVE STE 601 TULSA, OK 74135 | COMMUNITYCARE | $0 | $0 | $0 | 0.00% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITYCARE | 282 | $1.7M |
| Dental | DELTA DENTAL OF OKLAHOMA | 19 | $132K |
| Vision | VSP | 180 | $22K |
| Life insurance | MUTUAL OF OMAHA | 349 | $23K |
| Other | COMMUNITYCARE | 212 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.