| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | DELTA DENTAL OF OKLAHOMA | $8K | $0 | $8K | 7.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | DELTA DENTAL OF OKLAHOMA | $3K | $0 | $3K | 2.49% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | VISION SERVICE PLAN | $860 | $0 | $860 | 1.92% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | 2402 WEST WILLOW ROAD ENID, OK 73703 | DEARBORN LIFE INSURANCE COMPANY | $735 | $0 | $735 | 10.52% |
| BIGBEE HENSLEY & JANAWAY INS AGENCY3 | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | DEARBORN LIFE INSURANCE COMPANY | $302 | $0 | $302 | 4.32% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 156 | $111K |
| Vision | VISION SERVICE PLAN | 139 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 132 | $7K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 132 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.