| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $135K | $0 | $135K | 3.60% |
| INSERVICES, LLC3 | — | DELTA DENTAL | $9K | $29K | $38K | 31.67% |
| INSERVICES, LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 15.00% |
| INSERVICES, LLC3 | — | VISION SERVICE PLAN | $11K | $0 | $11K | 15.02% |
| INSERVICES, LLC3 | — | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.89% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER & COMPANY | — | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.80% |
| INSERVICES, LLC3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.22% |
| INSERVICES, LLC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $730 | $3K | 9.67% |
| ROGERS BENEFIT GROUP INC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $512 | $0 | $512 | 1.67% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 879 | $3.7M |
| Dental | DELTA DENTAL | 733 | $121K |
| Vision | VISION SERVICE PLAN | 777 | $74K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 782 | $151K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $36K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 393 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.