| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES, LLC | BECKY PARKINS, ACCOUNTING 300 NORTH MAIN ST. MOOREFIELD, WV 26836 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 3.98% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES, LLC | 26 N. KING ST. LEESBURG, VA 20176 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 8.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 26 N. KING ST. LEESBURG, VA 20176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W. BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $239 | $239 | 0.29% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 26 N. KING ST. LEESBURG, VA 20176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W. BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $132 | $132 | 0.28% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES, LLC | 300 N. MAIN ST. MOOREFIELD, WV 26836 | VISION SERVICE PLAN | $1K | — | $1K | 5.34% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 26 N. KING ST. LEESBURG, VA 20176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $917 | — | $917 | 11.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $22 | $22 | 0.29% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 26 N. KING ST. LEESBURG, VA 20176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $133 | — | $133 | 83.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $207K |
| CAREFLEX LLC EIN 47-3748445 NONE | Claims processing Service code 12 | — | $8K |
| SUMMIT INSURANCE SERVICES, LLC EIN 84-1641294 BROKER | Other commissions Service code 55 | — | $0 |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 269 | $234K |
| Vision | VISION SERVICE PLAN | 129 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $82K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $47K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 314 | $210K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 312 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.