| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $4K | $4K | 0.12% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 SOUTH BOULDER SUITE 300 TULSA, OK 74119 | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $15 | $15 | 0.00% |
| IRONHORSE FINANCIAL GROUP INC.3 Filed as: IRONHORSE FINANCIAL GROUP INC | 1111 WEST BROADWAY STREET MUSKOGEE, OK 74401 | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $11 | $11 | 0.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FREEWAY SUITE 1940 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $13 | $41K | 10.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 4.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.83% |
| VBW INSURANCE SERVICES, INC3 | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $545 | — | $545 | 1.25% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | TRANSAMERICA LIFE INSURANCE COMPANY | $501 | — | $501 | 1.15% |
| JASON B WEST3 | 1701 BASS ROAD SUITE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $262 | — | $262 | 0.60% |
| GREGORY M BUWICK3 | PO BOX 721423 NORMAN, OK 73070 | TRANSAMERICA LIFE INSURANCE COMPANY | $240 | — | $240 | 0.55% |
| GLYNDA C FRY-STEWART3 Filed as: GLYNDA C FRY-STWEART | 12060 84TH STREET LEXINGTON, OK 73051 | TRANSAMERICA LIFE INSURANCE COMPANY | $110 | — | $110 | 0.25% |
| KELLY JACKS3 Filed as: KELLY R JACKS | 19601 LEWIS ROAD WANETTE, OK 74878 | TRANSAMERICA LIFE INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| JARRELL K PRENTICE3 Filed as: JARRELL PRENTICE | 1113 EAST DRIVE EDMOND, OK 73034 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| LEANN RENEE BRUMLEY3 Filed as: LEANN R BRUMLEY | 1524 TWISTLEAF ROAD ARGYLE, TX 76226 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| TRACY ELAINE PUTMAN3 Filed as: TRACY E PUTMAN | 6550 WINDRDIGE CIRCLE LEXINGTON, OK 73051 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JONAH D MOORE3 | 336 NORTHWEST 120TH STREET OKLAHOMA CITY, OK 73114 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JAMES D MORGAN3 | 3200 WEST BRITTON ROAD APARTMENT 98 OKLAHOMA CITY, OK 73120 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| KATHY D HOUSTON-EVANS3 | 19150 EAST WILSHIRE BOULEVARD HARAH, OK 73045 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| TIFFANY DENNY3 Filed as: TIFFANY D DENNY | 2614 378 COUNTRY ROAD HOLDENVILLE, OK 74848 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BARBARA L DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MICHAEL KURT MORGAN3 Filed as: MICHAEL K MORGAN | 2625 NORTH 378 COUNTRY ROAD HOLDENVILLE, OK 74848 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALICIA M MARTIN3 | 7585 NORTH LUTHER ROAD HARRAH, OK 73045 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GREGORY M BUWICK3 | PO BOX 721423 NORMAN, OK 73070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.56% |
| GLYNDA C FRY-STEWART3 | 12060 84TH STREET LEXINGTON, KY 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | — | $600 | 1.77% |
| KELLY JACKS3 | 19601 LEWIS ROAD WANETTE, OK 74878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.96% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | — | $304 | 0.90% |
| TIFFANY DENNY3 | PO BOX 306 WETUMKA, OK 74883 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.68% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $374K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $374K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $418K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $374K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF OKLAHOMA | 649 | $3.0M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.