| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF TEXAS | $12K | $13 | $12K | 0.57% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.14% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA ROAD SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $642 | $642 | 1.67% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.43% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA ROAD SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $527 | $527 | 1.66% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $987 | $3K | 15.08% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA ROAD SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $323 | $323 | 1.66% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $895 | $3K | 14.93% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA ROAD SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $303 | $303 | 1.67% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 752406200 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.29% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 160 | $2.2M |
| Vision | VISION SERVICE PLAN | 72 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.