| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL INS AGCY INC | 700 DISTRICT AVE SUITE 900 BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $39K | — | $39K | 1.76% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVE SUITE 900 BURLINGTON, MA 01803 | DELTA DENTAL OF MA | $9K | — | $9K | 2.78% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVENUE SUITE 900 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.64% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 7 NEW ENGLAND EXECUTIVE PARK SUITE 900 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVENUE SUITE 900 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVE SUITE 900 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.80% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 235 | $2.2M |
| Dental | DELTA DENTAL OF MA | 620 | $311K |
| Vision | VISION SERVICE PLAN | 219 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.