| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | COMMUNITY CARE | $106K | — | $106K | 7.87% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LYNDON B JOHNSON FWY STE 750 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $19K | 13.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | — | -$1K | -0.75% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY STE 725 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $96 | $7K | 15.22% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | ALLSTATE | $17K | — | $17K | 39.45% |
| DAVID CLAYTON SHEMWELL3 | 2483 TOWER DRIVE UNIT 5 MONROE, LA 71201 | ALLSTATE | $2K | — | $2K | 3.59% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY STE 725 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $65 | $4K | 15.22% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LYNDON B JOHNSON FWY STE 725 DALLAS, TX 75240 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 10.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | TRANSAMERICA LIFE INSURANCE COMPANY | $108 | — | $108 | 0.69% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY STE 725 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $24 | $2K | 15.23% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $19 | $1K | 15.21% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 SOUTH BOULDER AVENUE SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $19 | $1K | 15.21% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVENUE SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $18 | $1K | 15.22% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVE SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $899 | $13 | $912 | 15.22% |
| DAVID SHEMWELL3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | ALLSTATE | $312 | — | $312 | 15.85% |
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 | 535 | 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) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMMUNITY CARE | 348 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 558 | $144K |
| Vision | AMERITAS LIFE INSURANCE CORP | 222 | $28K |
| Life insurance(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 489 | $83K |
| Short-term disability(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 489 | $100K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 489 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.