| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | PO BOX 1669 ENID, OK 73702 | BLUECROSS BLUESHIELD OF OKLAHOMA | $130K | $8K | $138K | 3.47% |
| INSERVICES, LLC3 Filed as: INSERVICES, LLC DBA DILLINGHAM INSU | PO BOX 1669 ENID, OK 73702 | DELTA DENTAL | $9K | $0 | $9K | 5.77% |
| INSERVICES, LLC3 Filed as: INSERVICES, LLC DBA DILLINGHAM INSU | PO BOX 1669 ENID, OK 73702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | PO BOX 1669 ENID, OK 73702 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.00% |
| DALE ALEXANDER3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.44% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | RELIASTAR LIFE INSURANCE COMPANY | $488 | $0 | $488 | 0.56% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | PO BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.40% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | PO BOX 1669 ENID, OK 73702 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $130 | $2K | 7.52% |
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 | 802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 805 | $4.0M |
| Dental | DELTA DENTAL | 682 | $155K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $37K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 946 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.