| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LYNDON B JOHNSON FWY SUITE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $35 | $75K | 16.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $8K | $29K | 6.32% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | DELTA DENTAL | $18K | $0 | $18K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LYNDON B JOHNSON FWY SUITE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $35 | $10K | 18.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.37% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 752406200 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.60% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $203 | $0 | $203 | 0.38% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LYNDON B JOHNSON FWY SUITE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $35 | $9K | 18.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $878 | $3K | 6.35% |
| SUMMIT FINANCIAL GROUP INC.4 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | $0 | $3K | 17.00% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LYNDON B JOHNSON FWY SUITE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | — |
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $105K |
| Dental | DELTA DENTAL | 472 | $361K |
| Vision | VISION SERVICE PLAN | 440 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $463K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $463K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $463K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.