| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $213K | — | $213K | 5.42% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC DBA DILLINGHAM INSUR | PO BOX 1669 ENID, OK 737021669 | DELTA DENTAL | $16K | $16K | $31K | 20.01% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC DBA DILLINGHAM INSUR | P O BOX 1669 ENID, OK 737021669 | DELTA DENTAL | $16K | $16K | $31K | 20.01% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD | $6K | — | $6K | 10.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD | $8K | — | $8K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD | $7K | — | $7K | 15.00% |
| INSERVIES LLC3 | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD | $6K | — | $6K | 15.00% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $5K | — | $5K | 15.04% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX ENID, OK 73702 | RELIANCE STANDARD | $4K | — | $4K | 20.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD | $4K | — | $4K | 20.00% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD | $2K | — | $2K | 20.00% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 617 | $3.9M |
| Dental(2 contracts) | DELTA DENTAL | 261 | $310K |
| Vision | VISION SERVICE PLAN | 226 | $35K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 258 | $112K |
| Short-term disability | RELIANCE STANDARD | 208 | $46K |
| Long-term disability | RELIANCE STANDARD | 258 | $38K |
| Other(5 contracts) | RELIANCE STANDARD | 258 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.