| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 737021669 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $34K | $0 | $34K | 4.95% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 73702 | DELTA DENTAL | $3K | $3K | $6K | 17.62% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $578 | $578 | 4.06% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | P O BOX 1669 ENID, OK 737021669 | VSP VISION CARE | $2K | $0 | $2K | 12.71% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $427 | $427 | 5.61% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $306 | $306 | 4.35% |
| DILLINGHAM INSURANCE5 Filed as: DILLINGHAM BENEFITS | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 28.01% |
| INSERVICES, LLC3 Filed as: INSERVICES,INC | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | $0 | $815 | 15.01% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | P O BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $213 | $213 | 3.92% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 120 | $696K |
| Dental | DELTA DENTAL | 70 | $33K |
| Vision | VSP VISION CARE | 65 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.