| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | AETNA LIFE INSURANCE COMPANY | $76K | — | $76K | 3.35% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 5420 LBJ FREEWAY SUITE 725 DALLAS, TX 75420 | AETNA LIFE INSURANCE COMPANY | $30K | — | $30K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | DELTA DENTAL | $6K | — | $6K | 3.42% |
| SUMMIT FINANCIAL GROUP INC.3 | TWO LEADERSHIP SQUARE OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $4K | — | $4K | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 E BRITTON RD. OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S. BOULDER AVENUE SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $831 | $831 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INS. COMPANY | $2K | — | $2K | 2.88% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVE SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INS. COMPANY | $2K | — | $2K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INS. COMPANY | — | $1K | $1K | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 73114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 23.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 E. BRITTON ROAD OKLAHOMA CITY, OK 73114 | VSP | $2K | — | $2K | 5.69% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FREEWAY SUITE 725 DALLAS, TX 75240 | VSP | $2K | — | $2K | 4.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 E. BRITTON RD. OKLAHOMA CITY, OK 73114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.15% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S. BOULDER AVE SUITE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE NE. SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $154 | $154 | 1.32% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 492 | $2.3M |
| Dental | DELTA DENTAL | 267 | $174K |
| Vision | VSP | 281 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $12K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.