| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DILLINGHAM INSURANCE3 Filed as: DILLINGHAM BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $247K | $0 | $247K | 2.71% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | SYMETRA LIFE INSURANCE COMPANY | $81K | $0 | $81K | 19.05% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 73702 | SYMETRA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 16.09% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $21K | $0 | $21K | 14.38% |
| DILLINGHAM INSURANCE3 Filed as: DILLINGHAM BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.31% |
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 | 614 | 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) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,643 | $9.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,643 | $9.2M |
| Vision | VISION SERVICE PLAN | 626 | $143K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 614 | $423K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 614 | $423K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 614 | $423K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,643 | $9.1M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 894 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,643 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.