| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | — | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $55K | $262 | $55K | 11.75% |
| COMPASS BENEFIT SOLUTIONS, LLC3 | 3815 EAST MEMORIAL ROAD EDMOND, OK 73013 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.02% |
| COMPASS BENEFIT SOLUTIONS, LLC3 | 3815 EAST MEMORIAL ROAD EDMOND, OK 73013 | DELTA DENTAL | $8K | $7K | $15K | 11.54% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $6K | — | $6K | 14.99% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 262 | $472K |
| Dental | DELTA DENTAL | 136 | $128K |
| Vision | VISION SERVICE PLAN | 140 | $40K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $172K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $172K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 262 | $472K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.