| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 737021669 | BLUECROSS BLUESHIELD OF OKLAHOMA | $61K | $0 | $61K | 4.91% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC DBA DILLINGHAM INSUR | P O BOX 1669 ENID, OK 737021669 | DELTA DENTAL | $8K | $7K | $15K | 19.09% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $827 | $7K | 17.06% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 737021669 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $692 | $2K | 6.95% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 737021669 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $555 | $7K | 27.11% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $2K | $0 | $2K | 8.71% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $369 | $3K | 17.21% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 366 | $1.2M |
| Dental | DELTA DENTAL | 186 | $79K |
| Vision | VISION SERVICE PLAN | 178 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $36K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.