| 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 HMO | — | $82K | $82K | 5.21% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 SOUTH BOULDER THIRD FLOOR TULSA, OK 74119 | GUARDIAN | $5K | — | $5K | 5.14% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FREEWAY STE 725 DALLAS, TX 75240 | PRUDENTIAL | $10K | — | $10K | 16.52% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $28 | $28 | 0.05% |
| AXA ASSISTANCE, USA5 Filed as: AXA | 122 S MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $26 | $26 | 0.04% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 2483 TOWER DR UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 13.64% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVE SUITE 300 TULSA, OK 74119 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.90% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE HMO | 194 | $1.6M |
| Dental | GUARDIAN | 208 | $98K |
| Vision | GUARDIAN | 208 | $98K |
| Life insurance | PRUDENTIAL | 202 | $59K |
| Short-term disability | PRUDENTIAL | 202 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 48 | $11K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 46 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.