| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES LLC | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.56% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $573 | $0 | $573 | 3.80% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.01% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 82 | $67K |
| Vision | VISION SERVICE PLAN | 72 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $11K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.