| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $16K | $16K | 0.88% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5400 LBJ FWY SUITE 1425 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $7K | $312 | $7K | 15.58% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5400 LBJ FWY SUITE 1425 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $5K | $288 | $6K | 15.57% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5400 LBJ FWY SUITE 1425 DALLAS, TX 75240 | STANDARD INSURANCE COMPANY | $4K | $228 | $4K | 15.73% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY STE 1940 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 28.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 4.31% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 74119 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 62.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 615 E. BRITTON RD OKLAHOMA CITY, OK 73114 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.45% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $837 | $0 | $837 | 18.64% |
| SUMMIT FINANCIAL GROUP INC.4 | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $185 | $0 | $185 | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: ARTHUR J GALLAGHER | 1300 S MAIN ST TULSA, OK 74119 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $103 | $0 | $103 | 2.29% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 277 | $1.8M |
| Dental | DELTA DENTAL | 220 | $153K |
| Vision | VISION SERVICE PLAN | 186 | $23K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 296 | $57K |
| Short-term disability | STANDARD INSURANCE COMPANY | 105 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 77 | $36K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 296 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.