| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 SOUTH BOULDER SUITE 300 TULSA, OK 74119 | BLUECROSS BLUESHIELD OF OKLAHOMA | $70K | $0 | $70K | 5.01% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 SOUTH BOULDER SUITE 300 TULSA, OK 74119 | GUARDIAN | $5K | $0 | $5K | 5.22% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $488 | $8K | 15.99% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1607 N AURORA ROAD SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $218 | $218 | 0.44% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $354 | $8K | 20.90% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1607 N AURORA ROAD SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $188 | $188 | 0.48% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FRWY SUITE 1940 DALLAS, TX 75240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 26.44% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $140 | $3K | 15.84% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1607 N AURORA ROAD SUITE 201 NAPERVILE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $74 | $74 | 0.45% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 520 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $75 | $1K | 15.88% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1607 N AURORA ROAD SUITE 201 NAPERVILE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.69% |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 167 | $1.4M |
| Dental | GUARDIAN | 212 | $94K |
| Vision | GUARDIAN | 212 | $94K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 395 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $17K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 395 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.