| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | BLUECROSS BLUESHIELD OF OKLAHOMA | $40K | $180 | $40K | 5.02% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | DELTA DENTAL | $5K | $0 | $5K | 10.00% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.95% |
| WORKFORCE JUNCTION LLC3 Filed as: WORKFORCE JUNCTION | 119 N PARKER ST #178 OLATHE, KS 66061 | STANDARD INSURANCE COMPANY | $0 | $832 | $832 | 2.55% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | VISION SERVICE PLAN | $3K | $0 | $3K | 13.76% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.69% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 9.87% |
| WORKFORCE JUNCTION LLC3 Filed as: WORKFORCE JUNCTION | 119 N PARKER ST #178 OLATHE, KS 66061 | STANDARD INSURANCE COMPANY | — | $292 | $292 | 2.30% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | STANDARD INSURANCE COMPANY | $806 | $0 | $806 | 9.54% |
| WORKFORCE JUNCTION LLC3 Filed as: WORKFORCE JUNCTION | 119 N PARKER ST #178 OLATHE, KS 66061 | STANDARD INSURANCE COMPANY | $0 | $188 | $188 | 2.23% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 127 | $800K |
| Dental | DELTA DENTAL | 103 | $48K |
| Vision | VISION SERVICE PLAN | 97 | $21K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 281 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 51 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 17 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.