| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 300 SUMMERS STREET, SUITE 650 CHARLESTON, WV 25301 | HIGHMARK | $206K | — | $206K | 3.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 WEST FRIENDLY AVE STE 400 GREENSBORO, NC 27409 | DELTA DENTAL PLAN OF ARKANSAS | $25K | — | $25K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $84K | $5K | $89K | 10.62% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $2K | $0 | $2K | 0.28% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $477 | $313 | $790 | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $185 | $36K | 11.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $5K | $30K | 14.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM INSURANCE COMPANY | $24K | $5K | $29K | 14.79% |
| JERRY DUNCAN3 | 6814 W SHADOW VALLEY RD ROGERS, AR 727588160 | VISION SERVICE PLAN | $16K | — | $16K | 8.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - C | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | $2 | $16 | 17.02% |
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 | 2,280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 780 | $6.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,523 | $848K |
| Vision(2 contracts, 2 carriers) | HIGHMARK | 1,207 | $6.5M |
| Life insurance | USABLE LIFE | 2,280 | $838K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,091 | $208K |
| Prescription drug | HIGHMARK | 780 | $6.3M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 2,280 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,523 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.