| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | TWO LEADERSHIP SQUARE OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $11K | — | $11K | 4.00% |
| PETER S NOVAK3 | 330 WHITNEY AVE., SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $820 | — | $820 | 0.34% |
| THOMAS MCCASKILL3 Filed as: THOMAS MCCASKILL III | PO BOX 18981 OKLAHOMA CITY, OK 731540981 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $619 | — | $619 | 0.26% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $547 | — | $547 | 0.23% |
| FRANK EDWARD WOODRUFF JR.3 | 10101 REUNION PLACE, SUITE 300 SAN ANTONIO, TX 782164157 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $123 | — | $123 | 0.05% |
| PREMIER SOURCE LLC3 | 211 N ROBINSON AVE., SUITE 1250 OKLAHOMA CITY, OK 73102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.95% |
| PREMIER SOURCE LLC3 Filed as: PREMIER SOURCE | 211 N ROBINSON AVE., SUITE 1490 OKLAHOMA CITY, OK 731027135 | VISION SERVICE PLAN | $1K | — | $1K | 4.43% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 237 | $274K |
| Vision | VISION SERVICE PLAN | 234 | $34K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 346 | $287K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $205K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 346 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.