| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INCL | 10425 S 82ND EAST AVENUE STE 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $934 | $5K | 12.55% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.01% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S 82ND EAST AVENUE STE 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $829 | $4K | 12.68% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TN 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.96% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S 82ND EAST AVENUE STE 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $589 | $3K | 12.41% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.95% |
| SUMMIT FINANCIAL GROUP INC.3 | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.30% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 10425 S 82ND EAST AVE SUITE 110 TULSA, OH 74133 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $536 | $0 | $536 | 4.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD., STE. 300 SAINT LOUIS, MO 63122 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $215 | $0 | $215 | 1.63% |
| RANDALL E GRAVES3 | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $200 | $0 | $200 | 14.97% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 221 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $31K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.