| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | P.O. BOX 1669 ENID, OK 73702 | BLUECROSS BLUESHIELD OF OKLAHOMA | $48K | — | $48K | 4.97% |
| INSERVICES, LLC3 Filed as: INSERVICES INC. | P.O. BOX 1669 ENID, OK 737021669 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $478 | $3K | 5.49% |
| JOHN WILLIAM RITCHIE3 | 8703R NORTH OWASSO EXPRESSWAY SUITE 109 OWASSO, OK 740552675 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 5.44% |
| INSERVICES, LLC3 | P.O. BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $3K | — | $3K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | P.O. BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 73703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.89% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | P.O. BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 73703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.85% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | P.O. BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 73703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $966 | $966 | 7.84% |
| DILLINGHAM INSURANCE5 Filed as: DILLINGHAM BENEFITS | P.O. BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 28.01% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | P.O. BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $952 | — | $952 | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC. | 2402 WEST WILLOW ROAD ENID, OK 73703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $454 | $454 | 7.16% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 136 | $974K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $61K |
| Vision | VISION SERVICE PLAN | 65 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.