| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | P.O. BOX 1669 ENID, OK 73702 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $42K | — | $42K | 4.88% |
| INSERVICES LLC DBA DILLINGHAM INS3 Filed as: INSERVICES LLC DBA DILLINGHAM INS. | P.O. BOX 1669 ENID, OK 737021669 | DELTA DENTAL OF OKLAHOMA | $5K | — | $5K | 10.00% |
| DILLINGHAM INSURANCE3 | P.O. BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DILLINGHAM INSURANCE3 | P.O. BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | VISION SERVICE PLAN | $797 | — | $797 | 6.97% |
| DILLINGHAM INSURANCE3 | P.O. BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DILLINGHAM INSURANCE3 | P.O. BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 200 | $852K |
| Dental | DELTA DENTAL OF OKLAHOMA | 81 | $48K |
| Vision | VISION SERVICE PLAN | 68 | $11K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $27K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $10K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.