| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 14.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FWY SUITE 725 DALLAS, TX 75240 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 6.73% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.09% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 752406200 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FWY SUITE 725 DALLAS, TX 75240 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 6.92% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FWY SUITE 725 DALLAS, TX 75240 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 6.96% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | VISION SERVICE PLAN | $295 | $0 | $295 | 7.01% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | VISION SERVICE PLAN | $10 | $0 | $10 | 6.85% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | VISION SERVICE PLAN | 137 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $112K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $33K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.