| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $6K | $6K | 0.09% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $18K | $98K | 18.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $8K | $34K | 6.39% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 737021669 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.55% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 1350 S BOULDER, SUITE 300 TULSA, OK 74119 | VISION CARE OKLAHOMA | $16K | $41K | $57K | 35.89% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 16.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $595 | $3K | 5.99% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 737021669 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.26% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $270 | $2K | 4.71% |
| INSERVICES, LLC3 Filed as: INSERVICES LLC | PO BOX 1669 ENID, OK 737021669 | METROPOLITAN LIFE INSURANCE COMPANY | $841 | $0 | $841 | 2.45% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | STE 1940 5420 LBJ FWY DALLAS, TX 75240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 17.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | — | DELTA DENTAL | $17K | $0 | $17K | — |
| INSERVICES LLC DBA DILLINGHAM INS3 Filed as: INSERVICES LLC DBA DILLINGHAM | — | DELTA DENTAL | $9K | $0 | $9K | — |
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 | 715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 1,345 | $6.5M |
| Dental | DELTA DENTAL | 554 | $0 |
| Vision | VISION CARE OKLAHOMA | 1,065 | $160K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 957 | $532K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 957 | $532K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 957 | $532K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 957 | $557K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.