| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LYNDON B JOHNSON FWY SUITE 725 DALLAS, TX 752406222 | AMERITAS LIFE INSURANCE CORP. | $14K | $775 | $15K | 10.56% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 2483 TOWER DRIVE UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 36.93% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 2483 TOWER DRIVE UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 28.76% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 9340 FUERTE DR SUITE 207 LA MESA, CA 919414164 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $0 | $3K | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 9340 FUERTE DR SUITE 207 LA MESA, CA 919414164 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $0 | $3K | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 9340 FUERTE DR. SUITE 207 LA MESA, CA 919414164 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $0 | $3K | 15.05% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $692 | $0 | $692 | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281 | $0 | $281 | 15.00% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 224 | $18K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 631 | $139K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 631 | $139K |
| Life insurance(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 285 | $45K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $51K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $49K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 225 | $225K |
| Other(7 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 285 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.