| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | BLUECROSS BLUESHIELD OF OKLAHOMA | $38K | $2K | $40K | 5.27% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | DELTA DENTAL | $5K | $0 | $5K | 10.00% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 16.16% |
| WORKFORCE JUNCTION LLC3 | 119 N PARKER ST # 178 OLATHE, KS 66061 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.56% |
| INSERVICES, LLC3 Filed as: INSERVICES INC | PO BOX 1669 ENID, OK 73702 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.89% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $770 | $0 | $770 | 2.83% |
| DWIGHT L PIERCE3 | 1200 E TAFT ST SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $378 | $0 | $378 | 1.39% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $4K | $0 | $4K | 16.20% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.89% |
| WORKFORCE JUNCTION LLC3 | 119 N PARKER ST # 178 OLATHE, KS 66061 | STANDARD INSURANCE COMPANY | $0 | $613 | $613 | 3.50% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.83% |
| WORKFORCE JUNCTION LLC3 | 119 N PARKER ST # 178 OLATHE, KS 66061 | STANDARD INSURANCE COMPANY | $0 | $452 | $452 | 3.50% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 114 | $753K |
| Dental | DELTA DENTAL | 93 | $54K |
| Vision | VISION SERVICE PLAN | 92 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 275 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 43 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 15 | $13K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 100 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.