| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $187K | $26K | $212K | 17.50% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 7.47% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 1.85% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | FLAGSHIP HEALTH SYSTEMS | $632 | — | $632 | 3.03% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $35 | $1 | $36 | 6.91% |
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 | 13,957 | 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) | 13,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,955 | $19.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,744 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,744 | $1.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,744 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,744 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,744 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,744 | — |
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.