| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES INC. | DBA DILLINGHAM INSURANCE P.O. BOX 1669 ENID, OK 737021669 | DELTA DENTAL OF OKLAHOMA | $9K | — | $9K | 5.45% |
| INSERVICES, LLC3 | 2402 WEST WILLOW ROAD ENID, OK 737032324 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 14.99% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | VISION SERVICE PLAN | $12K | — | $12K | 15.00% |
| JAMES D FRANTZ3 Filed as: JAMES DOUGLAS FRANTZ | 324 WEST BROADWAY ENID, OK 73701 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.98% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| CSC INSURANCE AGENCY INC.3 | 324 WEST BROADWAY P.O. BOX 3448 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.46% |
| JAMES D FRANTZ3 | 324 WEST BROADWAY P.O. BOX 3448 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.46% |
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 | 769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 728 | $163K |
| Vision | VISION SERVICE PLAN | 818 | $79K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 769 | $126K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $26K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 769 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.