| 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 | $5K | — | $5K | 2.71% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 9810 E 42ND ST #100 TULSA, OK 74146 | DELTA DENTAL | $3K | — | $3K | 1.29% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER AVE STE 300 TULSA, OK 741193222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.18% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR ROCHESTER, NY 146204648 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 9.38% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP, INC. | 5420 LBJ FWY STE 725 DALLAS, TX 75240 | VISION SERVICE PLAN | $1K | — | $1K | 3.11% |
| PAYCHEX INSURANCE AGENCY, INC.3 | P.O. BOX 948 HENRIETTA, NY 14467 | VISION SERVICE PLAN | $352 | — | $352 | 0.76% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 272 | $197K |
| Vision | VISION SERVICE PLAN | 257 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $139K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $139K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $139K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.