| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | TWO LEADERSHIP SQUARE OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $12K | $17K | $28K | 14.73% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVE STE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.02% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 211 N ROBINSON AVE STE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 211 N ROBINSON AVE STE 1490 OKLAHOMA CITY, OK 73102 | VISION SERVICE PLAN | $3K | $0 | $3K | 8.22% |
| FLEET, DAVID3 | C/O SUMMIT FINANCIAL 5420 LBJ FWY STE 725 DALLAS, TX 75240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.57% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 211 N ROBINSON AVE STE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER AVE STE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $680 | $680 | 5.06% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVE STE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | — |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 211 N ROBINSON AVE STE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | — |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 602 | $3.3M |
| Dental | DELTA DENTAL | 307 | $193K |
| Vision | VISION SERVICE PLAN | 323 | $40K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $100K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 144 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.