Form 5500 · Employee benefit plan · OKLAHOMA CITY, OK
BANCFIRST
The filing calls this plan BANCFIRST CORPORATION EMPLOYEES' BENEFIT TRUST.
BANCFIRST of OKLAHOMA CITY, OK is a 1,557-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BANCFIRST INSURANCE SERVICES, INC.. Coverage is written through BLUECROSS BLUESHIELD OF OKLAHOMA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 73-1221379 · plan 501 · plan year 2024, filed Nov 4, 2025
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536 other employer plans in Oklahoma have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 8 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUECROSS BLUESHIELD OF OKLAHOMA, covers 3,058 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $17,856,199, with $307,815 in disclosed broker commissions — about 1.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
BANCFIRST INSURANCE SERVICES, INC. is the broker of record on 4 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 889 | Jan 2, 2025 | $528,371 | $79,256 |
| BLUECROSS BLUESHIELD OF OKLAHOMA | Health, Dental, Stop-loss | 3,058 | Jan 1, 2025 | $16,105,580 | $65,623 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 727 | Jan 2, 2025 | $298,629 | $44,794 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 2,024 | Jan 2, 2025 | $272,443 | $40,866 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 562 | Jan 1, 2025 | $181,933 | $32,768 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 2,024 | Jan 2, 2025 | $199,797 | $25,974 |
| VISION SERVICE PLAN | Vision | 1,502 | Jan 1, 2025 | $225,050 | $11,875 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 217 | Jan 2, 2025 | $44,396 | $6,659 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF OKLAHOMA, contract YN9700. For the contract year on this filing, the carrier reported $16,105,580 in premium earned and $17,778,411 in claims incurred. Dividing one by the other gives 110%.
- BLUECROSS BLUESHIELD OF OKLAHOMA, contract YN9700 reported $-1,672,830 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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Renewal calendar
536 other employer plans in Oklahoma are January 1 renewals (policy year ends December).
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