| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | — | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $53K | $1K | $55K | 11.65% |
| COMPASS BENEFIT SOLUTIONS, LLC3 | 3815 EAST MEMORIAL ROAD EDMOND, OK 73013 | DELTA DENTAL | $8K | $8K | $16K | 12.09% |
| COMPASS BENEFIT SOLUTIONS, LLC3 | 3815 EAST MEMORIAL ROAD EDMOND, OK 73013 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 20.55% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.02% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $6K | — | $6K | 14.95% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 243 | $471K |
| Dental | DELTA DENTAL | 131 | $129K |
| Vision | VISION SERVICE PLAN | 132 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $119K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $119K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 243 | $471K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.