| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | SUITE 1940 5420 LBJ FREEWAY DALLAS, TX 75240 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.80% |
| SCOUT BENEFITS GROUP LLC3 Filed as: SCOUT BENEFITS GROUP, LLC | SUITE 100 500 N WALKER OKLAHOMA CITY, OK 73102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.19% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTIONS INC | 222 LAS COLINAS BLVD W STE 600N IRVING, TX 75039 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.85% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTIONS INC | 222 LAS COLINAS BLVD W STE 600N IRVING, TX 75039 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $565 | $0 | $565 | 16.68% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $28K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.