| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER STREET SUITE 300 TULSA, OK 74119 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $0 | $6K | $6K | 0.23% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER STREET SUITE 300 TULSA, OK 74119 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $14K | $2 | $14K | 9.87% |
| IMPERIAL GROUP, INC.0 Filed as: IMPERIAL LLC | 2020 NORTH MINGO ROAD TULSA, OK 741161220 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $0 | $1 | $1 | 0.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER AVE SUITE 300 TULSA, OK 74119 | DEARBORN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.61% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 421 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 366 | $143K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 333 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 421 | $2.7M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 333 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
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.