| 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 SUITE 1940 SALLAS, TX 752406251 | BLUECROSS BLUESHIELD OF OKLAHOMA | $63K | $2K | $65K | 4.29% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S. 82ND E. AVENUE SUITE 110 TULSA, OK 74133 | BLUECROSS BLUESHIELD OF OKLAHOMA | $14K | $0 | $14K | 0.89% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITIAN LIFE INSURANCE COMPANY | $40K | $10K | $50K | 21.95% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 5420 LYNDON B. JOHNSON FWY SUITE 1940 DALLAS, TX 752406251 | METROPOLITIAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITIAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.31% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 214 | $1.5M |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 212 | $226K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 212 | $226K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 212 | $226K |
| Short-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 212 | $226K |
| Long-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 212 | $226K |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 212 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
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.