Choctaw Nation of Oklahoma
Updated Filing received by DOL
Choctaw Nation of Oklahoma, an other services employer in Durant, Oklahoma, reported 9,997 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $821,139 in insurance premiums across 5 contracts and $639,329 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Qbe Insurance). The Department of Labor received the filing on July 17, 2026, before the deadline.
Who was paid on Choctaw Nation of Oklahoma's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Choctaw Nation of Oklahoma filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Holmes Murphy · Des Moines, IA | $358,237 | $0 | $358,237 | 3 |
| Avant Specialty Benefits · Dallas, TX | $0 | $261,631 | $261,631 | 1 |
| Charles D. Block · Wilmington, NC | $7,761 | $446 | $8,207 | 1 |
| James H. Van Epps · Roswell, GA | $7,761 | $446 | $8,207 | 1 |
| Benefit Communications, Inc. · Nashville, TN | $2,940 | $0 | $2,940 | 2 |
| Rowe, Craig, Kendall · Nashville, TN | $107 | $0 | $107 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Vision Service Planvision | 6,522 | $821,139 | — | — |
| The Guardian Life Insurance Companylife, short-term disability, long-term disability | 10,644 | — | $342,237 | — |
| Unum Life Insurance Company of Americacoverage not coded | 2 | — | $36 | — |
| Provident Life and Accident Insurance Companylife | 680 | — | $35,425 | — |
| Qbe Insurancestop-loss | 87,222 | — | $261,631 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Choctaw Nation of Oklahoma compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 10,016 | 9,997 | −0.2% |
| Premiums filed | $807,503 | $821,139 | +1.7% |
| Broker commissions + fees | $549,792 | $639,329 | +16.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| The Section 125 Cafeteria Plan for the Choctaw 501 Nation of Oklahoma#501 · insurance, general assets | December 31, 2025 | July 17, 2026 | before deadline | 9,997 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Choctaw Nation of Oklahoma pay in health insurance broker commissions in 2025?
Choctaw Nation of Oklahoma's 2025 Form 5500 reports $639,329 in broker commissions and fees across 5 insurance contracts ($376,806 in commissions, $262,523 in fees), with Holmes Murphy receiving the largest share.
Is Choctaw Nation of Oklahoma's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Qbe Insurance).
How does Choctaw Nation of Oklahoma's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Choctaw Nation of Oklahoma because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.