| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES LLC | DBA DILLINGHAM INSURANCE P.O. BOX 1669 ENID, OK 73702 | DELTA DENTAL OF OKLAHOMA | $10K | — | $10K | 10.00% |
| INSERVICES, LLC3 | P.O. BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $3K | — | $3K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | 2402 WEST WILLOW ROAD ENID, OK 737032324 | DEARBORN LIFE INSURANCE COMPANY | $660 | — | $660 | 13.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 12 EAST CENTRAL AVENUE MIAMI, OK 74354 | DEARBORN LIFE INSURANCE COMPANY | $56 | — | $56 | 1.17% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 149 | $96K |
| Vision | VISION SERVICE PLAN | 128 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 114 | $5K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 114 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.