| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSERVICES, LLC3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $4K | $4K | 0.14% |
| INSERVICES, LLC3 | PO BOX 1669 ENID, OK 73702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $165 | $165 | 0.19% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $11K | $3K | $14K | 18.64% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $10K | $3K | $13K | 19.47% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 21.70% |
| INSERVICES, LLC3 | 2402 W WILLOW ENID, OK 73703 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 11.78% |
| INSERVICES, LLC3 | P.O. BOX 1669 ENID, OK 73702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 15.00% |
| MGIS3 | 111 SOUTH MAIN STREET STE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $15 | $15 | 0.17% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 521 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 521 | $3.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 318 | $68K |
| Short-term disability | STANDARD INSURANCE COMPANY | 115 | $75K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 57 | $113K |
| Other | STANDARD INSURANCE COMPANY | 318 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
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.