| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | P.O. BOX 1669 ENID, OK 73702 | BLUECROSS BLUESHIELD OF OKLAHOMA | $60K | $2K | $62K | 5.11% |
| INSERVICES, LLC3 Filed as: INSERVICES INC. | P.O. BOX 1669 ENID, OK 737021669 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $267 | $4K | 4.68% |
| INSERVICES, LLC3 Filed as: INSERVICES INC. | P.O. BOX 1669 ENID, OK 737021669 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $476 | $3K | 6.53% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.74% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.69% |
| INSERVICES, LLC3 | 2402 WEST WILLOW ROAD ENID, OK 737032324 | VISION SERVICE PLAN | $4K | — | $4K | 13.75% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.28% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 25.40% |
| INSERVICES, LLC3 | 2402 WEST WILLOW ROAD ENID, OK 737032324 | VISION SERVICE PLAN | $2K | — | $2K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 24.85% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 27.28% |
| DILLINGHAM BENEFIT5 | 100 NORTH BROADWAY AVENUE SUITE 3280 OKLAHOMA CITY, OK 731028830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 25.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $627 | $2K | 20.12% |
| DILLINGHAM BENEFIT5 | 100 NORTH BROADWAY AVENUE SUITE 3280 OKLAHOMA CITY, OK 731028830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 43.63% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 737032324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $736 | $2K | 25.79% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 303 | $1.2M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $144K |
| Vision(2 contracts) | VISION SERVICE PLAN | 139 | $43K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $58K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $47K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $44K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.