| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER STE 300 TULSA, OK 74119 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $43K | $18K | $61K | 2.53% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 211 N ROBINSON AVE STE 1900 OKLAHOMA CITY, OK 73102 | SYMETRA LIFE INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES INC | 4775 E 91ST STE 100 TULSA, OK 74137 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $2K | $14K | 16.91% |
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 | 573 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 645 | $2.4M |
| Dental | DELTA DENTAL | 429 | $317K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 582 | $357K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 582 | $357K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 582 | $357K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 645 | $2.4M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 582 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.