| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | TWO LEADERSHIP SQUARE 211 N ROBINSON STE 1490 OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $12K | — | $12K | 4.00% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| THOMAS MCCASKILL3 | PO BOX 18981 OKLAHOMA CITY, OK 731540981 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $402 | — | $402 | 0.18% |
| STEPHEN K. COLLINS3 Filed as: STEPHEN K COLLINS | 10101 REUNION PL #360 SAN ANTONIO, TX 782164160 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $207 | — | $207 | 0.09% |
| FRANK EDWARD WOODRUFF JR.3 Filed as: FRANK EDWARD WOODRUFF | 10101 REUNION PLACE STE 300 SAN ANTONIO, TX 782164157 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $132 | — | $132 | 0.06% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FREEWAY SUITE 725 DALLAS, TX 75240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.26% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC | 5420 LBJ FWY STE 1940 DALLAS, TX 752406200 | VISION SERVICE PLAN | $1K | — | $1K | 3.79% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 221 | $298K |
| Vision | VISION SERVICE PLAN | 224 | $32K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 300 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $177K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 320 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.