| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.19% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | $5K | $33K | 17.93% |
| JOHN WILLIAM RITCHIE3 | 202 E 2ND ST STE 106 OWASSO, OK 74055 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $931 | $10K | 5.27% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $4K | $0 | $4K | 14.70% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 255 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 388 | $182K |
| Vision | VISION SERVICE PLAN | 166 | $25K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 388 | $182K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 388 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.