| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | BLUECROSS BLUESHIELD OF OKLAHOMA | $99K | $0 | $99K | 16.02% |
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | DELTA DENTAL | $3K | $20K | $22K | 12.79% |
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 15.02% |
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 19.77% |
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.99% |
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.91% |
| INSERVICES LLC DBA DILLINGHAM INS3 | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.94% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 892 | $616K |
| Dental | DELTA DENTAL | 416 | $173K |
| Vision | VISION SERVICE PLAN | 347 | $51K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 554 | $150K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 554 | $39K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 554 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.
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.