| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES LLC DBA DILLINGHAM BENEF | PO BOX 1669 ENID, OK 73702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 16.85% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 W WILLOW ROAD ENID, OK 73703 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 13.00% |
| ANT FARM3 Filed as: ANT FARM LLC | 291 HERITAGE WALK WOODSTOCK, GA 301883876 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $11K | $0 | $11K | 14.96% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | PO BOX 1669 ENID, OK 737021669 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $225 | $5K | 15.68% |
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 | 621 | 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) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 658 | $71K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 621 | $151K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 238 | $48K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 621 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.