| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S. BOULDER SUITE 300 OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $9K | $0 | $9K | 10.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FWY SUITE 750 DALLAS, TX 752406260 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $698 | $7K | 16.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS. SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG. 2, SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $310 | $0 | $310 | 0.77% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FWY SUITE 725 DALLAS, TX 75240 | VISION SERVICE PLAN | $985 | $0 | $985 | 5.99% |
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 | 193 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 148 | $95K |
| Vision | VISION SERVICE PLAN | 116 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $40K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.