| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $8K | $0 | $8K | 2.79% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC DBA DILLINGHAM INSUR | PO BOX 1669 ENID, OK 73702 | DELTA DENTAL | $4K | $0 | $4K | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | FORT DEARBORN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.31% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | 2402 W WILLOW RD ENID, OK 737032324 | FORT DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FORT DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E BRITTON RD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.66% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 737021669 | VISION SERVICE PLAN | $370 | $0 | $370 | 0.58% |
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 | 593 | 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) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 445 | $299K |
| Vision | VISION SERVICE PLAN | 417 | $64K |
| Life insurance | FORT DEARBORN LIFE INSURANCE COMPANY | 610 | $137K |
| Other | FORT DEARBORN LIFE INSURANCE COMPANY | 610 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.