| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | BLUECROSS BLUESHIELD OF OKLAHOMA | $89K | $4K | $93K | 6.50% |
| INSERVICES, LLC3 Filed as: INSERVICES, INC | PO BOX 1669 ENID, OK 737021669 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $1K | $21K | 19.59% |
| JOHN WILLIAM RITCHIE3 | 18522 E. PERSIMMON LANE OWASSO, OK 740558338 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.80% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 279 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $107K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $107K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.